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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 jloy@nestlerode.com.

Articles by Judy Loy

Stay the Course
Column
Stay the Course
3 days ago - StateCollege.com - Judy Loy
The good news is a long-term bull trend is in play and declines in stocks are a natural, normal part of the investing process. If investing in stocks was easy and there was no risk, there would be no returns. [Read More]
The Consumer: Why 2016 is Poised for a Bull Stock Market
Column
The Consumer: Why 2016 is Poised for a Bull Stock Market
4 weeks ago - StateCollege.com - Judy Loy
The first trading day of 2016 was a doozy. I awoke to my iPhone alarm and updates from CNN Money and CNBC. The good news is that 2016 is poised to resume the long-term bull market of which we are still in the midst. Why? Because of you. [Read More]
Demographics Changing the World
Column
Demographics Changing the World
8 weeks ago - StateCollege.com - Judy Loy
With changing demographics, there will be less people in the workforce and with less supply, prices will go up. Workers will have the power to demand wage increases and reverse the long trend of the riches only going to the rich. [Read More]
Quick Change on Social Security
Column
Quick Change on Social Security
12 weeks ago - StateCollege.com - Judy Loy
There were many strategies that couples could use to claim at full retirement and still maximize their higher earner’s benefit at 70. Sadly, in a quick move by Congress, most of the social security strategies were eliminated in the budget compromise without any warning or discussion. [Read More]
The Case for Crude
Column
The Case for Crude
20 weeks ago - StateCollege.com - Judy Loy
A bill that I have been anticipating is reaching the U.S. House of Representatives most likely this month. The bill proposes lifting the four-decade ban on U.S. crude oil exports. This produces many questions for the general populace. [Read More]
Logic vs. Emotions
Column
Logic vs. Emotions
24 weeks ago - StateCollege.com - Judy Loy
Do you go to Starbucks three times a week? Maybe cut back to three times a month and put the cost savings into retirement. Take stock of the financial choices that you make. Do you really need the big house (or the big mortgage that goes with it)? [Read More]
Municipal Issues and Your Wallet
Column
Municipal Issues and Your Wallet
28 weeks ago - StateCollege.com - Judy Loy
The numbers and issues raised were compiled by Pennsylvania's Institute of Certified Public Accountants and state officials estimate that each taxpayer in Pennsylvania would have to contribute $13,000 to wipe out the debt. [Read More]
Congratulations Grads — Now Save!
Column
Congratulations Grads — Now Save!
32 weeks ago - StateCollege.com - Judy Loy
The average 2015 college graduate is burdened with $35,000 in student loan debt, making the Class of 2015 the most indebted graduates ever. Finding ways to limit that while in college is a tremendous way to start out on the right foot. [Read More]
The Cost of Regulation
Column
The Cost of Regulation
36 weeks ago - StateCollege.com - Judy Loy
As with any industry, you have good guys and bad guys. Of course, most of the news is about the bad guys and their misdeeds. My concern with regulators is that the rules are being tailored for the lowest common denominator, with rules piled on top of existing rules. [Read More]
At Any Stage of Life, Just Follow The Basics to Reach Financial Goals
Column
At Any Stage of Life, Just Follow The Basics to Reach Financial Goals
39 weeks ago - StateCollege.com - Judy Loy
For many Millennials, it is paying the bills, student loans and enjoying life. For Gen X, we are paying mortgages, saving for retirement and starting to reach our peak earning years. Baby Boomers are facing retirement, caring for grandchildren or parents and hitting their highest net worth years. [Read More]
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