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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

A Financial Legacy
Column
A Financial Legacy
1 week ago - StateCollege.com - Judy Loy
When people think of a financial legacy, they believe working with an attorney on an estate plan will suffice. The reality is much more complicated. Many people, from young to old, dislike talking about money but talking and educating yourself and your family and friends about your wishes and values [Read More]
HAL 2025
Column
HAL 2025
5 weeks ago - StateCollege.com - Judy Loy
We are only in the first phases of the AI progression in 2019. As we approach the next decade, what can we expect from it over the next 20-plus years? [Read More]
Music to Your Ears
Column
Music to Your Ears
9 weeks ago - StateCollege.com - Judy Loy
Just like my musical tastes, a lot has changed in the music industry through the years. When I first listened to music, I would throw a vinyl record (LP) on and listen to it from start to finish. The album was king. Album sales in 1978 were $14.6 billion, with 63.7% coming through sales of LP/EP or [Read More]
What to Do for Your Year-End Financial Planning
Column
What to Do for Your Year-End Financial Planning
13 weeks ago - StateCollege.com - Judy Loy
The last quarter of the year brings fall, winter, Thanksgiving and Christmas. Besides the change of seasons and holiday celebrations, people can do several things to save themselves taxes in 2019 or set themselves up for a successful 2020. [Read More]
Let's Talk About It
Column
Let's Talk About It
17 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
21 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
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The Ins and Outs of a Roth IRA
25 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
29 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
33 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
37 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]
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