Every year teaches us a new lesson. What did 2022 teach us? “Bigger” doesn’t always mean “better”.

Recession: that word has been on everyone’s mind the past few months, and even more-so the past week. Are we in one or no? There is only one correct answer to that question.

At Emergent, we’ve talking many times about “weathering the storm”. As we move further into 2022, that storm might be fast approaching, and it’s time to be prepared…

When should one start thinking about their financial future? When they are nearing retirement, somewhere around 60 years old? How about around 50? Maybe 40? There is no definitive age one should begin thinking about financial planning, but there is the old adage: “Better sooner than later”. And for many Americans, it is becoming one that should be followed.

We all know what happens during times of rising inflation or pending recession: our televisions become inundated with gold commercials. It would seem like gold would be a great bet given the current state of the world, yet is that the case this time around?

With the month of March comes the beginning of Spring. There’s never any uncertainty about when Spring will arrive. The trees will begin to bud, the flowers begin to bloom, and the days become a little warmer, lighter, and usually a bit more wet. Considering the times we are living in now, we could use a some more certainty….

NFTs. What are they? Why has there been a growing obsession with them? Are they a potential new market on the rise? Click to read and find out!

ESG investing has created a strong niche for anyone who wants to invest money without investing in areas or companies that diverge from one’s moral compass. It has provided that opportunity for many people who wish to become more environmentally or socially conscious. It is now even providing opportunities for those whose religious morals have given them pause before investing in every company in certain indices.

2021 was very kind to cryptocurrencies. Cryptos like Bitcoin saw a rise of nearly 18% in the year, and with all the inflation the country and world had been seeing, many began to look at cryptocurrency as a potential hedge against inflation, perhaps replacing the long-heralded inflation-proof commodities such as gold and silver. Yet 2022 has been less kind. With the new year still in its adolescence, there is much ambiguity as to what 2022 will bring, with issues like inflation still plaguing working families as well as a continued pandemic and international tensions rising in Eastern Europe…

Investing in the Biotech industry can be trick, and knowing about “Pipelines” and what they are could help make the process easier.

At this point, what isn’t going up in price? It seems every day we learn of something new that has increased in price dramatically or will do so in the coming year. It appears Medicare will be no different.

Let’s be honest: Covid-19 has had a drastic impact on our lives. It has changed much of how we work and live. It has affected our businesses and our jobs. And now, it is even affecting retirement. What might that mean going forward?

Social Security recipients will receive a 5.9% increase in payments next year. That’s the good news. The bad news? That might not be enough to combat rising inflation.

An “unrealized capital gains tax” in an individuals’ Roth and Traditional IRAs could be disastrous for the average American, especially those attempting to save for retirement.

Waiting for a bill to pass Congress in today’s political climate is akin to waiting for a child to do his or her chores. There’s a good chance it won’t happen, and if it does, it isn’t going to look as good as you hoped. It’s already up-in-the-air as to whether the new $3.5 trillion dollar Build Back Better Act will actually pass both the House and the Senate, and even if it did, it would be the same as it is now. However, speaking for the present, if the bill were to pass as it is today, it could have a serious impact on Roth IRA conversions….

Uncertainty creates fear. And right now, there is lots of uncertainty in the world. How can we navigate through that?

Spending is fun. The same can’t be said for saving. As fun as spending may be, saving money has far greater benefits for us as we near retirement. Waiting for the last minute to save will not yield the same results as saving early in your life will. Just a little saving early on can go a long way to a more fruitful and happy retirement….

Whether you avidly follow the stock market or simply tend to glance weekly at its rise or fall, everyone at this point knows that the market has gone up quite considerably in 2021. In fact, it has gone up so much this year that it has some people spooked. How could the market be rising month after month and yet have people being scared to enter?