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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

Always a Trade-Off
Column
Always a Trade-Off
16 hours ago - StateCollege.com - Judy Loy
Investing and life are a series of trade-offs. Every day we are faced with a series of decisions on how to spend our resources, including time and money. [Read More]
The Economy of Dogs
Column
The Economy of Dogs
4 weeks ago - StateCollege.com - Judy Loy
The cost of owning a pet is high and so is the time that is needed. The cost of dog breeds varies by size, type and desires, but a recent study estimates the average lifetime cost of raising a dog is $23,410. [Read More]
The Persistence of Change
Column
The Persistence of Change
8 weeks ago - StateCollege.com - Judy Loy
Change keeps coming at home and abroad — governmentally, economically and technologically. [Read More]
Should I Use a Financial Advisor?
Column
Should I Use a Financial Advisor?
12 weeks ago - StateCollege.com - Judy Loy
Before you decide to “do it yourself,” consider your options among advisors and varying levels of assistance. If you decide a financial advisor is the right thing for you, decide what your top priorities are and find an advisor who fits you. [Read More]
You're Retiring. Now What?
Column
You're Retiring. Now What?
16 weeks ago - StateCollege.com - Judy Loy
For decades, financial planning has concentrated on preparing and saving for retirement. With the ongoing elimination of pension plans, this generation has become more responsible for their own golden years. With 401k and Individual Retirement Accounts being the majority of the Baby Boomer generatio [Read More]
What the Markets Expect from a Trump Presidency
Column
What the Markets Expect from a Trump Presidency
24 weeks ago - StateCollege.com - Judy Loy
It has been more than a month since the surprise results of the presidential election, and since Election Day the S&P 500 is up 3 percent, with many sectors gaining traction based on planned policies. President-elect Donald Trump may not be everyone’s cup of tea but so far the U.S. stock market is [Read More]
Instant Gratification and Long-Term Results
Column
Instant Gratification and Long-Term Results
28 weeks ago - StateCollege.com - Judy Loy
Our society has become one of instant gratification. The first place there may be imbalance is in spending and saving. The financial planner we use pulls together the here-and-now (net worth) and the future spending needs in retirement, college or for other financial goals. [Read More]
What to Do Before Year-End?
Column
What to Do Before Year-End?
32 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 2016 or set themselves up for a successful 2017. [Read More]
Too Much of a Good Thing?
Column
Too Much of a Good Thing?
36 weeks ago - StateCollege.com - Judy Loy
The Nifty Fifty and the dot-com bubble illustrate the need for diversification and avoiding the lemming effect of everyone going into the same stocks. What is so different with the index funds universe? [Read More]
Beware the Regulation
Column
Beware the Regulation
40 weeks ago - StateCollege.com - Judy Loy
No business or person is perfect and there are plenty of gray areas, but a majority of financial advisors, police officers and other everyday good people are in their careers for the right reasons. It is merely the bad apples who get the headlines. [Read More]
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