Tax Season 2016: How to fight back during a down market

February 3, 2016

As head of The Commerce Trust Company's East Region tax group, Tom Bassett takes a moment to share his bird's-eye view of various issues that federal tax filers will face as we build toward the April 15 tax deadline.

Is this a bear market or a market correction?

January 21, 2016

The "bear" word is back in the investment lexicon as economists debate whether recent market turbulence is a normal cyclical disturbance or a bear market possibly leading to recession.

Rocky start to new year is no surprise

January 5, 2016

U.S. stocks got off to a rocky trading start in the new year, buffeted by continuing concerns over global economic slowdown, yesterday's drop in Chinese stocks, downward pressure on energy prices and increasing political tensions in the Middle East.

Market Outlook 2016

January 2016

The Commerce Trust Company has a new website!

December 2015

Interest Rate Hike Is Right Prescription

December 16, 2015

While it may be anti-climactic, we've taken our first spoonful of medicine. We think Federal Reserve Chairwoman Janet Yellen got it right when she hiked interest rates 0.25% today.

File-and-Suspend: No longer available to married couples ready to claim Social Security

December 3, 2015

One of the primary strategies for claiming Social Security benefits was closed by the government last month. The closure of the "file-and-suspend" strategy will affect many married couples nearing the retirement plateau. The new rules do not kick in until April 29, 2016, and those who are at full retirement age (or will reach it in the next six months), will still have the opportunity to file-and-suspend.

10 Financial Steps to Take Before Year-End

November 2015

The end of the year is quickly approaching – which often means colder weather, family gatherings, and a hefty to-do list.

Worldwide markets remain resilient after this weekend's terrorist attacks in Paris

November 16, 2015

Many investment analysts are echoing similar sentiments this morning that terrorist events tend to have very limited long-term impact on the worldwide economy and markets. With some minor exceptions, worldwide markets have generally taken measured responses and have not by any means overreacted to the events in Paris this past weekend.

Finding an Investment Advisor

November 2015

Six Questions to Help Find an Advisor who Shares Your Vision

Economic theatrics? Investors look for clarity on when the Fed will hike interest rates

November 3, 2015

History dictates that interest rates will not stay low forever, but the speed at which rates rise and how far up they climb is difficult to predict. With ongoing discussion in the marketplace about when rather than if the Federal Reserve (Fed) will raise rates, we thought it was an ideal time to talk with Commerce Chief Economist Scott Colbert about the possible timing and effects of an interest rate hike.

Search upcoming earnings reports for the 'canary in the coal mine'

October 26, 2015

Look for third-quarter company earnings reports to trickle out over the next few weeks, jostling jumpy markets and making the Federal Reserve's (Fed's) decision on how far out to push a possible interest rate hike just that much harder to predict. So far, initial earnings have been lackluster.

Mid-Semester Report Card: Did Your College Student Sign a Healthcare Power of Attorney?

October 15, 2015

Bruce Talen, general counsel at The Commerce Trust Company, gives you some practical steps in avoiding a scenario where you cannot make decisions about your child's care.

Weak Job Growth Took Wall Street by Surprise

October 7, 2015

U.S. employers have slowed hiring new workers over the last two months and wages fell in September.

Will the Fed take a pass today?

September 17, 2015

The Federal Reserve will tell us today if they will or won't raise rates. We doubt they will raise them, but even if they do, the forward path of future hikes is likely to remain modest and not roil the markets.

How to Protect the Elderly from Fraudsters

September 3, 2015

Financial fraud against the elderly is an increasing problem as scammers find new tricks to exploit the unwary. Retirement nest eggs can disappear as a result, and lost sums are virtually unrecoverable. Doug Nelson, CPA, Commerce Tax Manager for the West Region, takes a moment to discuss the latest deceptions, and gives you seven practical ideas to make sure you or your loved ones aren’t tricked by these modern-day thieves.

After the Big Drop, What's Next for the Market?

August 25, 2015

Commerce Trust Chief Economist and Director of Fixed Income Scott Colbert, CFA, discusses the causes of recent market activity and what might be on the horizon.

Emotions and Investing

August 2015

Don't let your feelings cloud your investment decisions.

Spring's Brief Oil Price Rally Fades As Stockpiles of Global Crude Continue to Build

August 17, 2015

Commerce Trust Senior Portfolio Manager Chuck Freedman, CFA, CAIA, takes a moment to update his energy overview from the first quarter to assess where we are now and where we might be headed this fall.

Is the Chinese economy the tail that wags the global markets?

August 3, 2015

Recent financial commentaries have generally focused on the economic slowdown in China as the main culprit behind the yo-yo volatility in the markets last week.

Avoid the Common Social Security Mistakes

August 2015

Minimize taxes by maximizing tax-efficient investing strategies

"Midyear Economic Update – How Will U.S. Economy and Financial Markets React to Impending Fed Interest Rate Hikes?"

July 21, 2015

Market Volatility: 4 Ways You Can Manage It

July 2015

During market volatility, many investors become nervous and begin to question their investment strategies. Remember that it is the nature of the markets to move up and down over the short term, so attempting to time the market is nearly impossible.

What's Next for Greece and the Markets?

July 1, 2015

Commerce Chief Economist Scott Colbert, CFA, offers some insight on why the current Greek economic drama does have real impact on your investment portfolio, and how the European Union (EU) and its euro currency could affect world economies.

Understanding the Role of Cash in Your Portfolio

June 2015

It's easy to understand why investors may be wary of stocks. The stock market has suffered two major pullbacks in recent memory: January 2000 to July 2002 and December 2007 to June 2009. Since the Great Recession officially ended in 2009, the stock market has continued to reach record highs. Despite the run-up in stocks, people have actually been adding to their cash balances, regardless of their age or amount of wealth.

What will rising interest rates mean for the stock market?

June 19, 2015

The Federal Reserve Board (Fed) has been telegraphing a rate increase for some time now so it seems like the question is no longer "if", but "when". Nick Fafoglia, CFA®, a senior Investment Portfolio Manager at The Commerce Trust Company, takes a moment to address the impact of the impending Fed action and the potential impact on stocks.

What is Your Investing Personality?

June 2015

It's a question every investor should ask and be asked. Why? Because no two investing personalities are alike, no one-size-fits-all investing formula exists, and every investor weighs the tradeoff between risk and return with a different scale.

Gifting Strategy of the Future: "Please Send the Bill to Grandma"

June 10, 2015

As head of The Commerce Trust Company's East Region tax group, Tom Bassett uncovers helpful strategies and shares his perspective on preparing for next year's taxes.

Reaction to Increasing Litigation Directed at 401(k) Retirement Plan Sponsors

June 10, 2015

If litigation in the 401(k) arena isn't keeping retirement plan advisors up at night, it should. The top Employee Retirement Income Security Act (ERISA) class-action settlements exceeded $1.3 billion in 2014, which was 10 times higher than the previous year; by the close of 2014, there were in excess of 7,000 ERISA lawsuits.1 No other area of employment workplace law experienced this level of growth in 2014.

Market Update 2015

June 2015

Actionable Investment Insights from Warren Buffett's Teachings

May 2015

Billionaire, philanthropist and arguably one of the greatest investors of all time, Warren Buffett needs little introduction. He is known for delivering practical investment advice nearly everyone can use. Part of his genius lies in his ability to simplify complex ideas into bite-sized quotes that provide extraordinary insights such as the following.

Retirement Readiness Checklist

May 2015

Deciding when to retire should be a balanced decision that weighs a variety of key factors. Use this checklist to help explore those factors.

Reaction to Fed Chairman Janet Yellen’s Comments About U.S. Stock Valuations

May 7, 2015

Joe Williams, CFA®, Director of Investment Strategy for The Commerce Trust Company, adds some historical perspective to Fed Chairman Janet Yellen’s remarks on U.S. stock valuations.

How to Prepare for Healthcare Expenses in Retirement

May 2015

You have probably spent time daydreaming about retirement – exploring new hobbies, enjoying more time with the grandchildren and taking extended vacations. You have probably even calculated how much you will need to make your dreams a reality, but have you considered the potential impact of healthcare costs in retirement?

Six Strategies to Reduce Your Tax Bill

April 2015

Minimize taxes by maximizing tax-efficient investing strategies

Behavioral finance: Why do savvy people often make big investing mistakes?

April 28, 2015

As part of a series on how advisors can deliver value to their clients, Nick Fafoglia, CFA®, a senior Investment Portfolio Manager at The Commerce Trust Company, helps investors re-examine their underlying motivations in making buy-sell decisions for their portfolios.

Retirement Concerns that May Keep You Up at Night

April 2015

Your retirement dreams may be filled with traveling, hobbies or simply spending more time with family and friends, but you may also have sleepless nights due to common retirement concerns.

Consolidating Your Retirement Accounts

April 2015

Putting your retirement savings in one place helps you keep an eye on the big picture

Slow and Steady Employment Growth Is Better Than Boom and Bust

April 8, 2015

The government's jobs report last Friday was the weakest since December 2013, but in the long run it simply gives the Federal Reserve (Fed) more runway to work with in determining the timing of anticipated interest rate hikes.

Regional Economic Success Continues for United States While Most Global Neighbors Lag Behind

April 1, 2015

While global economies generally advanced or declined in lock-step during the past decade, we are currently witnessing divergences between the outlooks for major regions of the world. And regional geography becomes more and more a determining factor for investors' portfolios.

Complexity of Tax Returns Rises Again - Implications of Patient Protection and Affordable Care Act

March 23, 2015

As head of The Commerce Trust Company's East Region tax group, Tom Bassett takes a moment to share his bird's eye view of a growing problem that federal tax filers will face as we build toward the April 15th tax deadline.

Fed Gives Itself Some "Flexibility" on Timing of Rate Rise

March 19, 2015

All economic ears were tuned into the Federal Reserve's pronouncement Wednesday that the economy is growing stronger, but not quite strong enough to identify the exact timing of the anticipated interest rate hike.

Trending Upward Again in 2015 - Taxpayer Identity Theft

February 25, 2015

As head of The Commerce Trust Company's East Region tax group, Tom Bassett takes a moment to share his bird's eye view of a growing problem that federal tax filers will face as we build toward the April 15th tax deadline.

The top economic themes that clients have on their minds in a five-minute read…

January 29, 2015

Market Outlook 2015

January 2015

Sell-off in petro commodities looms large for global economy, but Energy Master Limited Partnerships can position you for success

January 9, 2015

While the sell-off in oil and commodities command headlines, master limited partnerships (MLPs) that invest in energy-related infrastructure supporting oil and gas production are enjoying a quiet resurgence not seen since the 1970s.

Who do we thank for low oil prices? Why China, of course

December 10, 2014

You may still be a little incredulous as you pull away from the pump – maybe even a bit giddy. You dreaded emptying your wallet into your vehicle's tank only six months ago, and now you wonder how long this discount energy bonanza will last.

"Five years later – Is the financial hangover finally gone?"

July 17, 2014

Market Update 2014

June 2014

Market Outlook 2014

January 2014
Commerce Trust on LinkedIn
To keep up with our latest insights, subscribe below and follow The Commerce Trust Company on LinkedIn.
Learn more