August 2019
Market Update

The August 2019  Market Thoughts Video  is now available on our website. Brad McMillan, Commonwealth's CIO, recaps the market and economic news.  July was a mixed month, with some good news and some bad. U.S. markets rose and fixed income went up, but emerging markets pulled back. In the U.S., second-quarter growth beat expectations, buoyed by the consumer. People were willing and able to spend, a trend that is likely to continue. Earnings also went up, another positive surprise. Still, risks remain, including the threat of Brexit under Prime Minister Boris Johnson. 

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Have You Checked Your Retirement Plan Lately?
It's a good practice to review your employer-sponsored retirement plan at least annually or when major life changes occur. This  article gives an overview of areas you should review to be sure they are in line with your situation.
Working During Retirement

Working during retirement has many advantages.  However, if you plan on working during your retirement years, it's important to understand how this can impact Social Security, pensions and health benefits.
Donor-Advised Fund
A donor-advised fund offers an easy way for a donor to make significant charitable gifts over a long period of time.  What is a  donor-advised fund, how does it work and and what are the tax advantages associated with it? 
Identity Theft - Protect Yourself
Cyber criminals are always on the lookout for ways to steal your private information.  Being diligent in monitoring your credit report is one of the best ways to protect yourself, but there are  other steps you can take as well.
Helpful Tips:
Having adequate emergency savings can make unforeseen expenses manageable.  The  Emergency Savings Calculator  helps determine how much emergency savings you may need, and how you can begin saving toward this important goal.