State College, PA - Centre County - Central Pennsylvania - Home of Penn State University

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

Planning When to Take Social Security is Not So Simple
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Planning When to Take Social Security is Not So Simple
4 days ago - StateCollege.com - Judy Loy
In 1965, people lived only 13 years in retirement. In 2013, the average time in retirement was 21 years. Given the life expectancy of women (81 years) and men (76 years), people on average will spend almost 27% of their lives in retirement. [Read More]
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Digital Currency Creates Bitcoin Drama
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Digital Currency Creates Bitcoin Drama
5 weeks ago - StateCollege.com - Judy Loy
There is much opportunity for global commerce in alternative currencies. For instance, internet entrepreneurs, the Winklevoss twins, just bought tickets for outer space from Virgin Galactic with bitcoins. [Read More]
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The One Percenters and the Great Divergence
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The One Percenters and the Great Divergence
9 weeks ago - StateCollege.com - Judy Loy
The highest earners' income increased 31.4% from 2009 through 2012, while everyone else saw their income rise by only .4%. Particularly disturbing is that while the 1% has gained in their proportion of wealth, as of June 2013, 15% of our population was on Food Stamps. [Read More]
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Financial Fitness: Getting Investments in Shape for 2014
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Financial Fitness: Getting Investments in Shape for 2014
13 weeks ago - StateCollege.com - Judy Loy
What investment accounts do you have? What loans do you have? Create your own Net Worth statement, showing total assets minus liabilities. What do you most want to improve on? Lower debt-load? Larger emergency savings? [Read More]
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Year-End Financial Planning: Tax Cutting Tips
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Year-End Financial Planning: Tax Cutting Tips
17 weeks ago - StateCollege.com - Judy Loy
After the Christmas holiday winds down, 2014 will be right around the corner. With one week left in the year, what can you do to help yourself tax-wise and investment-wise in the New Year? [Read More]
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Top Ten Mistakes When Planning for Retirement & Going Into Retirement
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Top Ten Mistakes When Planning for Retirement & Going Into Retirement
25 weeks ago - StateCollege.com - Judy Loy
The long-term rate of inflation over the last 50 years is 4%. This means that something that costs you $1 today will cost you $2 in 20 years. Since the average time spent in retirement is 21 years, you have to plan on being able to spend twice as much as you did when you started retirement ... [Read More]
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Bubble, bubble are the markets in trouble? Bubble, bubble are the markets in trouble?
26 weeks ago - Centre County Gazette
I belong to a local business persons' group and I gave a presentation a few weeks ago.   An interesting question arose as we talked about the financial crisis that occurred five years ago. The question was whether what happened in the financial markets would happen again. My answer was [Read More]
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Bubble, Bubble Are The Markets in Trouble?
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Bubble, Bubble Are The Markets in Trouble?
29 weeks ago - StateCollege.com - Judy Loy
Are we creating another bubble with the Federal Reserve buying bonds and leaving interest rates incredibly low? What about the high level of student loans? Or the large amount of car loans? Bubbles are hard to spot but we feel them when they pop. [Read More]
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Collegiate dollars and sense Collegiate dollars and sense
32 weeks ago - Centre County Gazette
This past weekend Penn State University Park Campus and State College saw the return of about 35,000 undergraduate students. Downtown businesses applauded the almost doubling of the town’s population (42,499 as of 2011) and the upcoming return of Penn State Football. According to an [Read More]
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Collegiate Dollars and Sense: What Students do Now Can Save Big Bucks Later
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Collegiate Dollars and Sense: What Students do Now Can Save Big Bucks Later
33 weeks ago - StateCollege.com - Judy Loy
Student debt balance was, on average, 60% of the graduate's annual income. In 2013, outstanding student debt totaled nearly one trillion dollars. In addition, the average college student graduates with $2,200 in credit card debt on top of student loans. [Read More]
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