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Judy Loy

Judy Loy, ChFCâ, is a Registered Investment Advisor and CEO at Nestlerode & Loy Investment Advisors, State College, Pa. A graduate of Penn State University, Loy has been with the firm since 1992, assisting clients with retirement planning, brokerage services and investment advice. She can be reached at [email protected]

Articles by Judy Loy

Let's Talk About It
Column
Let's Talk About It
3 weeks ago - StateCollege.com - Judy Loy
When is it okay to discuss money? I would say it’s OK with close friends if you don’t compare yourself to others. All people have different circumstances, values and incomes, and that’s OK. And there are some key points when it's important to honestly discuss finances with family and advisors [Read More]
401k vs. IRA
Column
401k vs. IRA
7 weeks ago - StateCollege.com - Judy Loy
401k plans are synonymous with employer retirement plans. While many types of employer plans exist (Simple IRA, Sep IRA and 403b), most employees call their retirement plan a 401k. Many people wonder if they should contribute to their 401k or an IRA. An IRA is an account setup by an individual with [Read More]
The Ins and Outs of a Roth IRA
Column
The Ins and Outs of a Roth IRA
11 weeks ago - StateCollege.com - Judy Loy
A Roth IRA is a mirror image of a traditional IRA and the real advantage of a Roth comes in retirement. When you begin pulling, qualified distributions are tax-free. All the growth will never be taxed. [Read More]
Facebook Challenges Bitcoin
Column
Facebook Challenges Bitcoin
15 weeks ago - StateCollege.com - Judy Loy
Facebook is not aiming low with its currency and said it hopes it will “transform the global economy.” [Read More]
The Demise of Shopping Malls
Column
The Demise of Shopping Malls
19 weeks ago - StateCollege.com - Judy Loy
As with any business area, retail continues to change with online, customization, rental and new players daily. Malls are feeling the pain, and many are no longer a destination for American shoppers. [Read More]
Understanding Municipal Bonds
Column
Understanding Municipal Bonds
22 weeks ago - StateCollege.com - Judy Loy
When discussing investing, many thoughts center on the next hot stock or the latest S&P 500 Index moves. However, if clients are conservative or closer to retirement, fixed income or bonds become a key part of most investors’ allocations. [Read More]
American Capitalism: To Be or Not to Be
Column
American Capitalism: To Be or Not to Be
27 weeks ago - StateCollege.com - Judy Loy
Do I believe that income inequality is harming America? Yes. I believe this comes from the changing business climate rather than capitalism. My belief and hope are that the cry for socialism is a cry for a reworking of American capitalism. [Read More]
Understand the Different Types of Income When Planning for Retirement Understand the Different Types of Income When Planning for Retirement
31 weeks ago - StateCollege.com - Judy Loy
When planning for retirement, it is important to consider all sources of income. There are three sources of income throughout life: social capital, human capital and financial capital. [Read More]
It’s Not About the Money
Column
It’s Not About the Money
37 weeks ago - StateCollege.com - Judy Loy
You may think being an advisor is all about numbers, growth and investments. It is certainly that, but it’s also a lot more. The realization hits home when the couple you have advised for more than a decade comes to their retirement date. The work, the savings and the plans come together to create [Read More]
Know Your Options for Financial Gifts and Charitable Giving This Holiday Season
Column
Know Your Options for Financial Gifts and Charitable Giving This Holiday Season
45 weeks ago - StateCollege.com - Judy Loy
With the holidays and the end of the year approaching, people are thinking about gifts and charitable giving. There are many ways to give, but some ways have more advantages than others. If you are lucky enough to have funds or investments which you feel you can give, here are some various ideas. [Read More]
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