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

Social Media and Big Brother
Column
Social Media and Big Brother
4 weeks ago - StateCollege.com - Judy Loy
Privacy is becoming an archaic concept. A questionable photo on Facebook or a rant on Twitter can get one expelled, destroy a marriage or upend a job ... How much privacy are we willing to give up for a large firm's profits? [Read More]
The Minimum Wage Battle
Column
The Minimum Wage Battle
8 weeks ago - StateCollege.com - Judy Loy
WalMart and McDonald's workers have staged protests asking for a 'living wage' of $15 an hour. On the flip side, conservatives maintain that raising the minimum wage would cause businesses to make do with less and hire fewer workers ... [Read More]
Investing in Fear and Greed Can Lead to Disastrous Results
Column
Investing in Fear and Greed Can Lead to Disastrous Results
12 weeks ago - StateCollege.com - Judy Loy
Scare tactics take many guises, from the innocuous to the really damaging. Some salespeople have been trained to do it for every sale. For instance, "If you don't invest in the (annuity, penny stock, etc.) now, you will miss the (guaranteed rate, huge gain, etc.)" [Read More]
Planning When to Take Social Security is Not So Simple
Column
Planning When to Take Social Security is Not So Simple
16 weeks 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]
Digital Currency Creates Bitcoin Drama
Column
Digital Currency Creates Bitcoin Drama
20 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]
The One Percenters and the Great Divergence
Column
The One Percenters and the Great Divergence
24 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]
Financial Fitness: Getting Investments in Shape for 2014
Column
Financial Fitness: Getting Investments in Shape for 2014
28 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]
Year-End Financial Planning: Tax Cutting Tips
Column
Year-End Financial Planning: Tax Cutting Tips
32 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]
Top Ten Mistakes When Planning for Retirement & Going Into Retirement
Column
Top Ten Mistakes When Planning for Retirement & Going Into Retirement
40 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]
Bubble, bubble are the markets in trouble? Bubble, bubble are the markets in trouble?
41 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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