Estate Planning in 2025: Why the New Year Makes the Perfect Time to Reassess Your Plans

By Michael Cherewka, Esq. The dawn of a new year is always a time for fresh starts and thoughtful planning, and 2025 is no exception. With the changing of the presidential administration, many individuals are understandably curious about how potential shifts in the political climate might affect their financial and estate planning. Whether you’re new…

4th Quarter 2024 – Current Market Perspective

By Gary C. Sanger, Ph.D., CFA Overall economic conditions have continued to improve this quarter. The new Trump administration brings hope for US economic growth and improved efficiency in government. However, new tariffs, if actually enacted, could raise prices and slow growth. According to the Bureau of Economic Analysis, US real annualized GDP rose by…

Central PA Asset Manager is GIPS® Compliant

By Fred D. Fischer, President   We are an asset manager creating wealth by growing client portfolios.  Our firm may be the only one in Central PA which has a 30-year performance track record that is GIPS® compliant and verified by independent auditors.  GIPS standards were designed to provide assurance for investors who want reliable…

“Registered Investment Adviser” Serving as Investment Counsellors in Central PA

by Fred D. Fischer, President of Fischer Financial Services, Inc.   As a “Registered Investment Adviser” in Central PA, Fischer Financial Services, Inc. can refer to themselves as Investment Counsellors because the firm devotes 100% of its time and resources, and receives 100% of its revenues, for managing investment accounts only.  Few other firms in…

What is an Investment Counsellor?

By Fred D. Fischer, President Wealth management firms by definition cannot hold themselves out to be “Investment Counsellors.” The Investment Advisors Act of 1940, regulating “Registered Investment Advisers” in the U.S., states that a substantial part of its business consists of rendering investment supervisory services. Wealth managers earn a portion of fees by providing financial…

What is an Investment Counsellor?

By Fred D. Fischer, President Wealth management firms by definition cannot hold themselves out to be “Investment Counsellors.” The Investment Advisors Act of 1940, regulating “Registered Investment Advisers” in the U.S., states that a substantial part of its business consists of rendering investment supervisory services. Wealth managers earn a portion of fees by providing financial…