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
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
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
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
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
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 …
Time to Reopen
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
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
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
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, …