Welcome to our June 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Starting Rate and Future Returns When it comes to bond funds,…
PDS Planning is proud to announce the promotions of three outstanding team members—Beth McCampbell, FPQP™, Joel Bleskey, CFP®, and Jill Olding. Each embodies our values of personalized service, team collaboration, and an unwavering commitment to client success. At PDS, people come first. The relationships we build — with our clients and with each other —…
Amidst all the tariff and trade proposals stoking, then quelling, market volatility, brief but messy political break-ups, and strong economic data, there has been a very healthy mix of good and bad news. One headline that was swept up in all of this we wanted to make sure was addressed was the Moody’s downgrade of…
Welcome to our May 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. The New Maximum…Maybe If you have a google alert for the…
Switching financial advisors is a significant decision that can impact various aspects of your financial life, including your taxes. While the act of changing advisors itself doesn’t directly trigger taxes, the associated actions—such as selling investments or transferring certain accounts—can have tax implications. Understanding these potential consequences is crucial to ensure a smooth and tax-efficient…
Our People, PDS Experience, PDS News
Inside the values that shape the PDS Planning team At PDS Planning, we take pride in doing things a little differently. That includes how we grow our team. While experience, knowledge, and credentials matter, we believe who you are is just as important as what you know. Our firm has always been about people. We…
March and April were rollercoasters for the stock market and potential reasons why can be found on either side of the aisle. Positive or negative. Tariffs, of course, have played a big role in market volatility. Though we’re in a period of waiting (90-day pauses), there’s little doubt we’re out of the woods from a…
In January, we first posted (here) about The Social Security Fairness Act concerning the elimination of the Windfall Elimination Provision and Government Pension Offset. Many clients were previously impacted by these provisions which reduced, or in many cases, eliminated Social Security benefits they would have been eligible for if they (or their spouse) did not…
Welcome to our April 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Reasons to Sell From the Global Financial Crisis in 2008 to…
We previously outlined the different ways advisors can be compensated and the importance of advisor and fund fees (more here). It’s equally important to understand the difference between types of advisors, the expectations you should have of each, and what you should look for when seeking out professional guidance. What types of advisors are there?…
PDS Planning Congratulates Joel Bleskey on Earning CFP® Certification PDS Planning is pleased to announce that Joel Bleskey has obtained his CFP® certification. After successfully passing the CFP® exam in March 2024, Joel has now completed the experience requirement, meeting all the standards set by CFP Board for certification. An Associate Paraplanner with PDS, Joel…
Welcome to our March 2025 Viewpoints, a monthly bulletin from PDS Planning to our valued clients and friends. Our goal with each issue of Viewpoints is to provide you with a wide variety of perspectives on life and wealth. Feel free to share with others. Intra-Year Declines From peak to trough, a -10% decline is considered…
This original article was published in the January 6, 2025, print edition of The Wall Street Journal by Anne Tergesen. A recent Wall Street Journal article highlights a surprising trend among wealthy retirees: even those with significant savings fear running out of money. This anxiety leads many to live well below their means, even when…
Market concerns have escalated as the tariff policy enacted continues to evolve and change day-to-day. The situation is very fluid, and markets are just trying to keep up with the latest news coming out of the white house. What We Know Today We know on Tuesday, March 4th, a 25% tariff took effect on most…
Planning a wedding is an exciting journey, but it can also be an overwhelming financial challenge. With just three short months until my own wedding, I know firsthand how important it is to make thoughtful decisions to keep your special day both memorable and financially responsible. Here are some key considerations to keep in mind…
