October  2018
Market Update

The October 2018  Market Thoughts Video  is now available on our website. Brad McMillan, Commonwealth's CIO, recaps the market and economic news for September. It was a mixed month: the S&P and Dow did well, while the Nasdaq pulled back on weakness in technology. But for the quarter as a whole, all three indices were up substantially. In the U.S., hiring remained strong, wage growth picked up, and consumer confidence reached an 18-year high. There is also a huge amount of confidence in the business world. Overall, we're in a good place, but is the end of the cycle coming?

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Housing Options for Older Adults
As we grow older, our housing needs may change.  While there's no place like home, there are many options available to choose from when it comes time to evaluate our housing situation  
Facing the Possibility of Incapacity
Incapacity can strike anyone at anytime.  Advancing age, a serious illness or accident can render you incapable of handling your own medical and financial affairs. None of us want to face the possibility of incapacity, but having a plan in place can ensure that your wishes are carried out.
Conducting a Periodic Review of Your Estate Plan
The one thing that is constant in life is change.  Your situations, the tax and estate planning laws, and even how you wish your estate to be handled.  These are some of the reasons why a review of your estate plan is important.  This article discusses conditions that should prompt a review and revision of your estate plan. 
Charitable Giving:  What to Do Before You Donate
Making a charitable gift can be a fulfilling experience, but it is wise to take some time to learn about the charity before you donate.  Does its purposes match your intentions?  Is it a legitimate non-profit organization?  This five-step checklist can guide you through your research.