Oak Bridge Financial LLC, A financial advisory practice of Ameriprise Financial Services, LLC. We deliver personalized financial advice to help you achieve your goals, today and tomorrow, through our Confident Retirement® approach.
We start with a conversation about key financial areas including covering essentials, ensuring lifestyle, preparing for the unexpected and leaving a legacy. By identifying clear steps to take toward your goals, we can help take the uncertainty out of planning for your financial future. Working together, we can help you feel more confident, connected, and in control of your financial life.
Operating as usual
“The first vaccines approved in the U.S., from Pfizer-BioNTech and Moderna, both use a new vaccine technology involving messenger RNA (mRNA). The good news: It’s something that could easily be adapted if necessary.”
fastcompany.com As the virus infects more people, it’s starting to change. If one of the new variants can evade the vaccines, is it a fixable problem? Yes—though it might take some time.
“President-elect Joe Biden formally announced on Wednesday he was revoking a key permit for the proposed Keystone XL pipeline, the second time a Democratic administration has scuttled the $8 billion project in less than a decade.”
politico.com The decision came despite pleas to Biden from multiple Canadian government officials to give them time to make their case.
“First-time claims for unemployment insurance jumped to 965,000 last week amid signs of a slowdown in hiring due to pandemic restrictions, the Labor Department reported Thursday.”
cnbc.com First-time jobless claims totaled 965,000 last week, the Labor Department said, well above the Dow Jones estimate of 800,000.
Did you know that if investors missed the 10 best days in the past 20 years their S&P 500 returns would have been cut in half? Let’s connect to discuss investing over the long term.
“Self-employed and gig workers applied for unemployment benefits last week at half the level from the week prior, according to Labor Department data reported Thursday.
That suggests a strong rebound, breaking from persistently high — even increasing — levels in recent weeks.
But that rebound likely didn't happen. It only occurred on paper, experts say.”
cnbc.com New claims for the Pandemic Unemployment Assistance program fell sharply last week, suggesting a rebound. But the improvement may have only occurred on paper.
“As U.S. coronavirus cases continue to rise, over two-thirds of the more than 15.4 million COVID-19 vaccine doses distributed in the country have yet to be administered to the population, according to the latest data from the U.S. Centers for Disease Control and Prevention (CDC).”
newsweek.com Over 4.5 milion Americans have received their first dose of a COVID-19 vaccine, as of Monday, according to the U.S. Centers for Disease Control and Prevention.
“Three weeks into the most ambitious vaccination campaign in modern U.S. history, far fewer people are being protected against COVID-19 as the process moves more slowly than officials had projected and has been beset by confusion and disorganization in many states.”
wsj.com Far fewer people are being protected against Covid-19 as the process moves slower than officials had projected and has been beset by confusion and disorganization in many states.
“The big picture: After the year that wasn’t, well, everything we thought it would be, 2021 will be a messy mix of the pandemic (still) and reviving all that it sidelined on all things, including energy and climate change.”
axios.com From Biden's aspirations to oil to corporate positioning.
“Based on the information shared with us by the UK scientists and early data that we have here, we think that this virus variant should be under control with this vaccine.”
businessinsider.com "This virus actually mutates as part of its normal behavior, and therefore it is normal to expect there will be variants," Moncef Slaoui said on CBS.
“The findings suggest that following “the 4% rule”—where you withdraw 4% of your portfolio during the first year of retirement, with annual adjustments for inflation thereafter—may not be wise advice for many seniors with shifting spending priorities...”
barrons.com Older Americans’ spending habits can change quickly as their financial circumstances evolve—say, from paying off a home mortgage or due to a spouse’s retirement—but new research finds that many retirees and retirement savers don’t adjust accordingly.
“Historically low mortgage interest rates, a shortage of homes for sale and pent-up demand from a stalled housing market due to COVID-19 lockdowns have all contributed to a hot housing market since the spring.”
finance.yahoo.com Standard & Poor’s said Tuesday that its S&P CoreLogic Case-Shiller national home price index posted a 8.4% annual gain in October, up from 7% in September and highest level since March 2014.
Wishing you a very Merry Christmas!
Vaccine availability and acceptance may influence outcomes, but economic and market conditions should benefit from increasing business and consumer confidence throughout 2021. #AmeripriseResearch
Based on stabilizing market and economic conditions and favorable monetary and fiscal policies, combined with broadly available vaccines, #AmeripriseResearch believes the opportunity for outsized growth next year is real.
A lot has happened in the past year. Let’s talk about any factors that may have affected your retirement plans, discuss updates and ensure sure you’re on track.
ameripriseadvisors.com Your advisor will provide strategies to address these factors, which may extend your retirement income.
Investors have been reminded of a few critical takeaways in 2020, including the value of diversification, the risk reduction value of bonds, and given enough time, stock prices tend to rise. What investment lessons did you learn this year? #AmeripriseResearch
“A Robinhood client based in Sarasota Florida, filed a federal lawsuit on behalf of himself and other traders Wednesday evening. Travis Taaffe alleges that Robinhood was negligent and breached its contract by failing to "provide a functioning platform," leaving traders unable to move money while stock markets surged.”
cnbc.com A Robinhood trader based in Florida, filed a federal lawsuit on behalf of himself and other clients following a two-day outage at the stock-trading platform.
“For the first time since spring, U.S. retail sales have declined, raising questions about the strength of consumer spending and how retailers are faring in the all-important holiday shopping season.”
nytimes.com LiveUpdated Dec. 16, 2020, 9:59 a.m. ETDec. 16, 2020, 9:59 a.m. ETRetail Spending Tumbles, Despite Holiday Sales: Live Business UpdatesRIGHT NOWU.S. retail sales decline more than expected in November.Here’s what you need to know:A surprising drop in U.S. retail sales undercuts a rally in stocks.E...
“The Amazon-owned mobility company Zoox has revealed its autonomous vehicle—a boxy-looking affair that bears few reference points to the human-operated cars we’re accustomed to.”
fastcompany.com Four wheels aside, the Amazon-owned company’s autonomous vehicle has no clear front or back—and no driver’s seat.
“Around the world, countries are issuing emergency approvals of the Pfizer-BioNTech Covid-19 vaccine. Now transportation and logistics companies face a huge challenge: Getting millions of doses to people who need them at hospitals, clinics and care homes.”
cnn.com Around the world, countries are issuing emergency approvals of the Pfizer-BioNTech Covid-19 vaccine. Now transportation and logistics companies face a huge challenge: Getting millions of doses to people who need them at hospitals, clinics and care homes.
After a tumultuous twelve months, what will shape the energy world in 2021?
forbes.com After a tumultuous twelve months, what will shape the energy world in 2021?
“As prices rise, home equity multiplies. In the past year, homeowners with mortgages, representing about 63% of all properties, have seen their equity increase by 10.8%, according to CoreLogic.”
cnbc.com Soaring home prices are padding the pockets of millions of homeowners across the nation. As prices rise, home equity multiplies.
“Last month, Pfizer and BioNTech announced that their two-dose vaccine had an efficacy rate of 95 percent after two doses administered three weeks apart. The new analyses show that the protection starts kicking in far earlier.
What’s more, the vaccine worked well regardless of a volunteer’s race, weight or age. While the trial did not find any serious adverse events caused by the vaccine, many participants did experience aches, fevers and other side effects.”
nytimes.com The Food and Drug Administration’s first analysis of the clinical trial data also found that the coronavirus vaccine worked well regardless of a volunteer’s race, weight or age.
“Bipartisan negotiators on a $908 billion pandemic relief package are planning to unveil more details of their proposal on Monday, aiming to settle on language that can satisfy enough Republicans and Democrats to secure passage of one final tranche of Covid-19 aid before Congress breaks for the year.”
bloomberg.com Bipartisan negotiators on a $908 billion pandemic relief package are planning to unveil more details of their proposal on Monday, aiming to settle on language that can satisfy enough Republicans and Democrats to secure passage of one final tranche of Covid-19 aid before Congress breaks for the year.
"To get a sense of how much AlphaFold can accelerate scientists’ work, consider the experience of Andrei Lupas, an evolutionary biologist at the Max Planck Institute in Germany. He spent a decade — a decade! — trying to figure out the shape of one protein. But no matter what he tried in the lab, the answer eluded him. Then he tried out AlphaFold and he had the answer in half an hour."
vox.com A breakthrough on the "protein folding problem" can help us understand disease and discover new drugs.
“Now that Britain has become the first western country to approve a Covid-19 shot, the spotlight shifts to the high-stakes rollout. Vaccinating the country’s roughly 67 million people won’t happen overnight.”
bloomberg.com Now that Britain has become the first western country to approve a Covid-19 shot, the spotlight shifts to the high-stakes rollout. Vaccinating the country’s roughly 67 million people won’t happen overnight. The U.K. has ordered enough doses of the two-shot Pfizer-BioNTech vaccine to immunize 20 ...
“The Trump administration cleared the way Monday for President-elect Joe Biden to begin his official transition, allowing Biden's team to get access to briefings, office space, secure computers and other government services needed for the transfer of power.”
usatoday.com The declaration from the GSA's Emily Murphy will free up more than $6 million for President-elect Joe Biden transition team.
Charitable tax deductions, penalty-free early IRA withdrawals, remote care coverage and other CARES Act benefits to consider before year’s end.
kiplinger.com If you haven’t taken action yet, there is still some time to make the most of the CARES Act benefits, including charitable tax deductions and penalty-free early IRA withdrawals.
“China has sold the nation’s first negative-yielding sovereign bond, the latest to take advantage of the record low cost of money amid the global coronavirus pandemic to finance its borrowing.”
ca.finance.yahoo.com China has sold the nation’s first negative-yielding sovereign bond, the latest to take advantage of the record low cost of money amid the global coronavirus pandemic to finance its borrowing.The Ministry of Finance sold about €750 million worth of a five-year note bearing an interest rate of -0....
“Take all this together and an optimistic picture emerges of a future of more efficient work, tighter communities, and greater disease preparedness. But in the meantime we still all have a lot to get through.”
inc.com Life after Covid will look a lot different than life before Covid, according to the Microsoft founder and philanthropist.
“The retail colossus opened an online pharmacy Tuesday that allows customers to order medication or prescription refills, and have them delivered to their front door in a couple of days.”
apnews.com NEW YORK (AP) — Now at Amazon.com: insulin and inhalers. The retail colossus opened an online pharmacy Tuesday that allows customers to order medication or prescription refills, and have...
"The mission, which followed a successful test flight by SpaceX earlier this year with two astronauts, is the first in the history of the National Aeronautics and Space Administration with a full crew ferried by a commercial transporter."
bloomberg.com The International Space Station welcomed four additional crew members with the arrival and docking of the SpaceX Dragon capsule after a 27-hour voyage.
“The signing cemented the Regional Comprehensive Economic Partnership (RCEP) as the largest trading bloc globally, covering a market of 2.2 billion people and $26.2 trillion of global output. That accounts for about 30% of the population worldwide, as well as the global economy.”
cnbc.com China and 14 other Asia-Pacific countries signed the Regional Comprehensive Economic Partnership, or RCEP — the world's largest trade agreement.
“A preliminary analysis of data from more than 30,000 volunteers showed Moderna’s vaccine prevented virtually all symptomatic cases of Covid-19, the disease caused by the coronavirus, the company said in a statement on Monday.”
bloomberg.com Moderna Inc. said its Covid-19 vaccine was 94.5% effective in a preliminary analysis of a large late-stage clinical trial, another sign that a fast-paced hunt by scientists and pharmaceutical companies is paying off with potent new tools that could help control a worsening pandemic.
“Environment Texas, another group involved in the lawsuit, released a report last month that showed that every day last year, at least one industrial facility violated its permit—yet hardly any facilities were fined by either TCEQ or the EPA. Illegal air pollution nearly tripled in Texas between 2017 and 2019, according to the group.”
texasobserver.org An environmental watchdog submitted evidence of dozens of violations, but the Texas’ environmental agency rarely followed up.
We deliver personalized financial advice to help you achieve your goals, today and tomorrow, through our Confident Retirement® approach. We start with a conversation about key financial areas including covering essentials, ensuring lifestyle, preparing for the unexpected and leaving a legacy.By identifying clear steps to take toward your goals, we can help take the uncertainty out of planning for your financial future. Working together, we can help you feel more confident, connected, and in control of your financial life.
What to expect from the first meeting
Your first meeting is complimentary and will focus on your financial needs, goals and values. During the conversation, you’ll learn the value of personalized advice, the costs associated with working together and next steps. It’s an opportunity for you to get a sense of what it might be like to work together.To help your advisor understand your current financial status, it’s helpful to share information on accounts and income. Examples include:Current income and expenses Bank and investment statements Home and real estate 401(k) and IRA accounts Insurance policies Additionally, consider future financial goals you would like to achieve, including both short- and long-term goals.
Questions to consider before you meet
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