Look before you leap.”



Retirement plans should be updated with time. As your financial situation changes, your plan should change and evolve.


It can hurt and make people bleed, but in another environment, its smaller version can also be instrumental in making them well. What is it? 

Last week’s riddle: It drapes the hills in white, it does not swallow, but it does bite. What is it?

ANSWER: Frost.







In August, the Conference Board’s respected consumer confidence index made a remarkable leap, rising 5.5 points to 133.4. This was its highest reading in almost 18 years. (Economists surveyed by Briefing.com forecast an August reading of 126.5.) The University of Michigan’s consumer sentiment index also improved in its final August edition, ending the month at a mark of 96.2, 0.9 points above its preliminary reading.1,2


Households boosted their outlays by 0.4% in July, according to the Department of Commerce. The seventh month of the year also saw a 0.3% gain in personal incomes. In June, both indicators displayed an advance of 0.4%. The Department also issued its first revision to second-quarter economic growth last week, taking the number up 0.1% to an even stronger 4.2%.1


Last week, the U.S., Mexico, and Canada progressed toward a new trade deal that would supplant the North American Free Trade Agreement. The proposed new accord, which would be in place for the next 16 years and reviewed every six years, stipulates that 75% of the value of a vehicle sold in North America must be produced in either America, Canada, or Mexico, up from 62.5%. It would require Mexico to put higher wages in place for workers, while keeping Mexican farm exports free from U.S. tariffs. By law, President Trump must give Congress 90 days of notice prior to signing any new trade deal. The Trump administration urged Canada to join the new agreement by September 1, but it actually has until the end of this month to submit a fully detailed trade pact to Congress for review. Capitol Hill lawmakers are unlikely to vote on the deal until mid-2019.3,4


Another week, another market milestone: the tech benchmark settled at 8,109.68 Wednesday, a record. It ended the week just a hair lower at 8,109.54, advancing 2.06% in five trading sessions. Up 0.93% for the week, the S&P 500 closed out August at 2,901.52. Rising 0.68% in five days, the Dow Industrials finished the month at 25,964.82.5,6

DJIA 5.04 18.30 15.06 12.54
NASDAQ 17.47 26.15 25.18 24.52
S&P 500 8.52 17.39 15.54 12.71
10 YR TIPS 0.78 0.36 0.68 1.68

Registered Representative, Securities offered through Cambridge Investment Research, Inc., a Broker/Dealer, Member FINRA/SIPC. Cambridge and Connecticut Capital Management Group LLC are not affiliated. Investment Advisor Representative, Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor.

Sources: wsj.com, bigcharts.com, treasury.gov – 8/31/186,7,8,9

Indices are unmanaged, do not incur fees or expenses, and cannot be invested into directly. These returns do not include dividends. 10-year TIPS real yield = projected return at maturity given expected inflation.


This material was prepared by MarketingPro, Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information has been derived from sources believed to be accurate. Please note – investing involves risk, and past performance is no guarantee of future results. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional. This information should not be construed as investment, tax or legal advice and may not be relied on for the purpose of avoiding any Federal tax penalty. This is neither a solicitation nor recommendation to purchase or sell any investment or insurance product or service, and should not be relied upon as such. All indices are unmanaged and are not illustrative of any particular investment. The Dow Jones Industrial Average is a price-weighted index of 30 actively traded blue-chip stocks. The NASDAQ Composite Index is an unmanaged, market-weighted index of all over-the-counter common stocks traded on the National Association of Securities Dealers Automated Quotation System. The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. It is not possible to invest directly in an index. NYSE Group, Inc. (NYSE:NYX) operates two securities exchanges: the New York Stock Exchange (the “NYSE”) and NYSE Arca (formerly known as the Archipelago Exchange, or ArcaEx®, and the Pacific Exchange). NYSE Group is a leading provider of securities listing, trading and market data products and services. The New York Mercantile Exchange, Inc. (NYMEX) is the world’s largest physical commodity futures exchange and the preeminent trading forum for energy and precious metals, with trading conducted through two divisions – the NYMEX Division, home to the energy, platinum, and palladium markets, and the COMEX Division, on which all other metals trade. Additional risks are associated with international investing, such as currency fluctuations, political and economic instability and differences in accounting standards. This material represents an assessment of the market environment at a specific point in time and is not intended to be a forecast of future events, or a guarantee of future results. Past performance is no guarantee of future results. Investments will fluctuate and when redeemed may be worth more or less than when originally invested. All economic and performance data is historical and not indicative of future results. Market indices discussed are unmanaged. Investors cannot invest in unmanaged indices. The publisher is not engaged in rendering legal, accounting or other professional services. If assistance is needed, the reader is advised to engage the services of a competent professional.


1 – briefing.com/investor/calendars/economic/2018/08/27-31 [8/31/18]

2 – cbsnews.com/news/consumer-confidence-hits-18-year-high/ [8/28/18]

3 – reuters.com/article/us-trade-nafta-factbox/winners-and-losers-from-the-new-nafta-deal-idUSKCN1LF2O9 [8/30/18]

4 – washingtonpost.com/business/2018/08/30/friday-isnt-real-deadline-nafta [8/30/18]

5 – tinyurl.com/y7gfl9dq [8/31/18]

6 – markets.wsj.com/us [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F31%2F17&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=8%2F30%2F13&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=DJIA&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=COMP&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]

7 – bigcharts.marketwatch.com/historical/default.asp?symb=SPX&closeDate=9%2F2%2F08&x=0&y=0 [8/31/18]

8 – treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyield [8/31/18]

9 – treasury.gov/resource-center/data-chart-center/interest-rates/Pages/TextView.aspx?data=realyieldAll [8/31/18]   


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