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RDB Wealth Advisors helps individuals and families build long-term financial security through personalized financial planning, retirement strategies, and investment management.

11/02/2026

Tech Stocks Take a Hit. Now All Eyes Turn to Apple.

Stocks finished sharply lower Friday, led by technology:

Nasdaq: -2.86%

S&P 500: -1.82%

Russell 2000: -1.66%

The pressure is growing around one big question: Are massive AI investments going to generate profits fast enough to justify today's valuations?

Recent earnings from Alphabet, Amazon and Meta have raised concerns. While revenue growth remains strong, rising AI infrastructure spending and negative free cash flow have investors taking a closer look.

Now, attention shifts to Apple, reporting after the close today. Investors will be watching iPhone demand, early sales trends and commentary surrounding its new foldable iPhone.

There are some important positives to keep in perspective:

Q3 S&P 500 earnings growth is projected at 26.5%.

Q4 earnings growth is forecast at 28.4%.

Historically, stocks have performed well following midterm elections, with the S&P 500 averaging gains of more than 15% over the following 12 months since 1950.

This week also brings the monthly employment report, adding another important piece to the economic picture.

The takeaway: Markets are reassessing expectations for technology and AI, but strong earnings growth and broader economic trends still matter.

Short-term volatility is part of investing. The key is understanding what is driving it and keeping your long-term strategy in focus.

11/01/2026

November starts today.

Here is what has a hard deadline before year-end that most people miss.

THE DECEMBER 7 DEADLINE (before year-end):
Medicare Open Enrollment closes December 7. If you are on Medicare or approaching 65 and have not reviewed your coverage — this closes first.

THE DECEMBER 31 DEADLINES:

Roth conversions — if you are in a lower income year than usual, or if you expect higher taxes in retirement than you pay today, the conversion you do before December 31 locks in today's rate. The window closes with the year.

Tax loss harvesting — if you have capital gains in your taxable accounts this year, you have until December 31 to sell losing positions and offset them. The IRS does not give extensions for this.

Required Minimum Distributions — if you are 73 or older, your RMD must come out before December 31. The penalty for missing it: 25% of the amount you should have taken.

Annual gifting — you can give up to $19,000 per person in 2026 without gift tax implications. Gifts made after December 31 don't count for this year.

The people who finish 2026 in the best position are the ones who worked through this list in November, not December.

Which of these do you still have open?

10/30/2026

The AI Boom Is Growing, But So Are The Costs. What Investors Should Be Watching.

Markets finished mixed yesterday as weakness in technology stocks weighed on the Nasdaq, which fell 1.38%. Meanwhile, the Russell 2000 gained 1.01%, with healthcare, consumer staples, and financials helping offset tech losses.

The biggest story? Big Tech's growing AI investment bill.

Alphabet, Amazon, and Intel all delivered earnings that raised questions about spending, cash flow, and future expectations.
- Alphabet: Shares fell 12.64% as rising AI infrastructure spending pushed free cash flow negative. The company also expects capital expenditures to increase significantly next year.
- Amazon: AWS revenue grew 37% year over year, its fastest growth in 18 quarters. However, higher AI spending pushed free cash flow negative, and the company raised its 2027 capital spending outlook to $220 billion.
- Intel: Strong earnings growth and data-center demand weren't enough to offset weaker-than-expected guidance. Shares dropped another 20% after hours.
Meanwhile, the economic picture remains mixed:
- Inflation: PCE inflation came in as expected, but headline inflation remains elevated at 3.6% year over year, with core inflation at 3.1%.
- Economic growth: Q3 GDP came in stronger than expected at 3.4%, accelerating from Q2's 2.2%.
With another 103 companies reporting earnings today, investors have plenty to digest.

Here's the bigger takeaway:

AI demand remains strong, but investors are becoming more focused on what that growth costs.

Spending billions on AI infrastructure is one thing. Turning that investment into sustainable earnings and cash flow is another.

That's an important distinction as we move through earnings season.

10/30/2026

Here is why we start building 2027 plans with clients in November.

DEFERRED COMP ELECTIONS:
If you have a non-qualified deferred comp plan, your 2027 election period is closing now — October 31 or November 30 for most plans. Miss it and you miss a full year of tax deferral. This decision has to happen in November.

401(k) CONTRIBUTION RATE FOR 2027:
The IRS announced the 2027 limits in October. If you want to increase your deferral rate for January its best to start planning for it now.

ROTH CONVERSION WINDOW:
If a Roth conversion makes sense for 2026 — it has to happen before December 31. And the analysis to determine whether it makes sense has to happen in November, not December, when you actually have time to think.

SOCIAL SECURITY CLAIMING STRATEGY:
If you are turning 62–70 next year — the decision about when to claim Social Security is worth analyzing before January. It is one of the most valuable financial decisions in retirement and one of the most under-analyzed.

RETIREMENT INCOME PLAN:
If you are planning to retire in 2027 — the portfolio drawdown sequence, the health insurance bridge, the tax projection for year one — all of this should be built before January, not after you have already stopped receiving a paycheck.

January feels like the planning month. November is actually the planning month

10/29/2026

The Fed Held Rates Steady. Now Inflation and Earnings Take Center Stage.

Markets moved higher Wednesday as the Federal Reserve left interest rates unchanged, as expected. But the bigger story is what comes next.

Here are the three things investors should be watching:

1. The Fed remains cautious.
Two Fed officials dissented in favor of a quarter-point rate hike, while the majority voted to hold rates steady. Officials also upgraded their assessment of economic activity from “solid” to “strong,” reinforcing the importance of upcoming economic data.

2. Inflation and economic growth are in focus today.
The Fed’s preferred inflation gauge, PCE, is expected to show rising price pressures. Meanwhile, third-quarter GDP is projected to accelerate to 3.1%, up from 2.2% last quarter.

3. Big Tech earnings are telling two different stories.
Alphabet shares fell roughly 10% after hours as investors reacted to disappointing earnings metrics and sharply higher AI-related spending.

The takeaway? Investors are weighing the potential of AI-driven growth against the enormous cost of building it.

With Amazon and hundreds of other companies reporting earnings, volatility could continue as the month comes to a close.

Historically, the fourth quarter has been the strongest quarter for stocks. That seasonal trend is encouraging, but inflation, earnings, and interest rates will help determine how the year finishes.

10/29/2026

The "save 10–15% for retirement" rule is not wrong. It is just not enough information to be useful.

10–15% of income starting at 22 and running to 65 produces a very different retirement than 10–15% of income starting at 35.

Time is the variable the percentage hides.

Start with your retirement income gap — the difference between what Social Security will cover and what you actually want to spend. That gap is the number your portfolio has to produce.

Divide that gap by a sustainable withdrawal rate (4% for a 30-year retirement, 3.5% for 35 years). That gives you your target portfolio balance.

Subtract what you already have invested, adjusted for expected growth.

What is left is what still needs to be contributed over your remaining working years.

Then back-calculate the annual savings rate that gets you there.

For a 45-year-old who started saving at 35 and wants to retire at 65: the number is almost never 10–15%. It is usually 20–30%.

For a 32-year-old who has been saving since 24: 12–15% probably works.

The same percentage. Completely different outcomes. Because the rule does not include your starting age, your current balance, or your actual retirement income needs.

10/28/2026

AI Optimism Is Back. Now All Eyes Turn to the Fed.

Stocks extended their rally Tuesday, with all major indexes finishing higher.

The Nasdaq led the way, gaining 1.18%, followed by the Russell 2000 (+1.16%) and the S&P 500 (+0.60%).

What's driving the rebound?

AI and semiconductors: Chip stocks and AI infrastructure companies continued to lead the rally.

Small-cap recovery: The Russell 2000 has gained 3.58% over the last seven trading sessions following a recent low.

Easing bond yields: The 10-year Treasury yield has fallen more than 35 basis points from its recent high, potentially easing pressure on stocks.

Improving confidence: Consumer confidence rose to 91.7, beating expectations, while new home sales also exceeded forecasts.

Today's biggest catalysts: The Fed and earnings.

The Federal Reserve announces its latest interest-rate decision at 2:00 PM ET, followed by the press conference at 2:30 PM.

Markets largely expect rates to remain unchanged, but investors will be listening closely for clues about the Fed's next move.

Meanwhile, Alphabet and Microsoft report earnings after the close, putting AI spending, growth expectations, and future profitability back in the spotlight.

With just three trading sessions remaining in October, the S&P 500, Dow, and Russell 2000 are currently positive for the month. The Nasdaq is within 1.43% of turning positive as well.

The takeaway: AI optimism and improving market momentum are encouraging, but the Fed's guidance and upcoming earnings could determine whether this rally continues.

For investors, the key is to look beyond daily market swings and stay focused on how their portfolios align with their long-term financial goals.

10/28/2026

For most corporate professionals, the year-end bonus arrives in November or December.

Before it hits your account there is one question worth answering.

What is the most tax-efficient thing to do with this money?

The answer depends on your situation, but here are the four paths and when each one makes sense.

PATH 1 — MAXIMIZE YOUR 401(k) CATCH-UP IF YOU HAVE NOT:
If you are over 50 and have not hit $31,000 in 401(k) contributions this year a bonus is the right time to close the gap.

PATH 2 — ROTH CONVERSION:
If this bonus pushes you into a higher bracket than usual, it may not be the year for a large conversion. But if your income is in a lower bracket this year, and the bonus keeps you below a threshold, a conversion before December 31 may still make sense.

PATH 3 — TAXABLE INVESTMENT ACCOUNT (TAX-EFFICIENT FUNDS):
If your tax-advantaged accounts are maxed and you have already addressed the Roth conversion question, adding to a taxable brokerage account with tax-efficient index funds is the next move. The money is invested. The tax drag is managed.

PATH 4 — PAY DOWN HIGH-INTEREST DEBT:
If you carry credit card debt or other high-rate loans the guaranteed after-tax return of paying it off beats most investment alternatives at current rates.

The mistake I see most often: the bonus arrives, the money sits in a checking account for 3–6 months, and the decision never gets made

10/27/2026

Stocks Rebound as AI Optimism Returns. Now All Eyes Turn to Earnings and the Fed.

Markets moved higher yesterday as enthusiasm surrounding Anthropic’s IPO filing reignited interest in AI stocks. After last week’s tech selloff, the rebound offered some relief.

Three factors are helping support the market:

AI optimism is back: Investors are refocusing on growth opportunities tied to artificial intelligence.

Treasury yields are falling: The 10-year yield closed at 4.986%, down more than 35 basis points from its recent high.

Oil prices are easing: Crude fell nearly 2%, providing some relief despite prices remaining above $100 per barrel.

Now, the focus shifts to this week’s major catalysts.

The Fed meets Wednesday. Markets overwhelmingly expect rates to remain unchanged, while Thursday’s PCE inflation report could help shape expectations for the Fed’s December decision.

Earnings take center stage. Alphabet and Microsoft report Wednesday, followed by Amazon on Thursday. Hundreds of other companies are also scheduled to report, giving investors a broader look at corporate performance.

There’s another reason investors are watching closely: seasonality.

Historically, October and November have been strong months for stocks during midterm election years. The fourth quarter has also been the S&P 500’s strongest quarter historically, averaging a 4.1% gain since 1950.

Seasonality can provide useful context, but it doesn’t guarantee future returns. Inflation, interest rates, and earnings will ultimately help determine whether this rally has staying power.

The takeaway: A market rebound is encouraging, but the next move may depend on what earnings and inflation tell us.

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901 Lincoln Drive W
Marlton, NJ
08053

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Monday 8am - 6pm
Tuesday 8am - 6pm
Wednesday 8am - 6pm
Thursday 8am - 6pm
Friday 8am - 4:30pm
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