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While buffered ETFs do reduce downside risk and price volatility, they do so at a heavy cost to returns. Better alternatives are beyond the scope of this article, but if history is any guide, these are not good tools for long-term investors in accumulation phase. Further, products like the Innovator Defined Outcome ETFs® leave investors exposed when they are most likely to be worried – after the market has made a move lower. Investors would be wise to look for other ways to reduce risk.

Preparing for retirement just got a little more financial wiggle room. The Internal Revenue Service (I.R.S.) announced new contribution limits for 2022. A look at the new limits.

What is troubling now is the scale of the speculation, the coordination of the speculators on seemingly arbitrary targets, and the way they are using a calculated approach to maximize their manipulative impact

The western United States has been hit hard by wildfires this summer. If your home or business has experienced devastation due to wildfires, here’s what you need to know about filing an insurance claim.

Summary: Qualified Opportunity Zones (QOZ) allow gains to be reinvested in certain under-developed areas with three potential benefits to the investor. First, the tax on the gain is deferred until 12/31/2026 (payable in 2027). Second, if the investment is made before 12/31/21, 10% of the gain is eliminated for tax purposes. Third, any gains on the investment in the opportunity zone are tax-free, as long as certain conditions are met.