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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

Annuities: The Good, the Bad and the Ugly
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Annuities: The Good, the Bad and the Ugly
2 days ago - StateCollege.com - Judy Loy
Depending on what or who you read, annuities are either the best thing for people in retirement or the worst investment option available. In reality, annuities have gotten a bad rap for several reasons. [Read More]
The Future of Business: Blockchain
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The Future of Business: Blockchain
4 weeks ago - StateCollege.com - Judy Loy
Blockchain technology helped with the emergence of Bitcoin but its potential for business changes is explosive. [Read More]
Retirement Basics
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Retirement Basics
8 weeks ago - StateCollege.com - Judy Loy
As pension plans (defined benefit plans) gave way to 401(k) (defined contribution plans), more and more people now depend on investments for their retirement. There are some simple steps to take that can help you towards a successful retirement. [Read More]
The Return of Inflation and Rising Interest Rates
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The Return of Inflation and Rising Interest Rates
12 weeks ago - StateCollege.com - Judy Loy
Inflation is the rise in prices for goods and services and thus the worth of the currency is falling; inflation can also be described as the decline in purchasing power of a currency. A ‘normal’ inflation rate is part of a healthy economy and the Federal Reserve has as one of its three goals, [Read More]
Italy and the European Economy: A Troubled Beauty
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Italy and the European Economy: A Troubled Beauty
16 weeks ago - StateCollege.com - Judy Loy
This past month I was lucky enough to join a group of friends for a trip to Italy. My husband, Steve, and I have never been to Europe so it was a trip of a lifetime. My travel made me want to learn more about the economy and government of Italy and their precarious position in the Eurozone. [Read More]
Yield, Returns, Income and More: Know the Lingo
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Yield, Returns, Income and More: Know the Lingo
20 weeks ago - StateCollege.com - Judy Loy
I am as guilty of it as anyone. When one has been in any industry for a long time, they speak the lingo. Problems arise when one continues to speak it to people who aren’t in the industry. The results can be confusing. [Read More]
The Fall and Rise of Financials
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The Fall and Rise of Financials
24 weeks ago - StateCollege.com - Judy Loy
Many positives are coming for the financial sector. The question is whether they can navigate successfully for higher earnings and margins without the risk of overextending themselves into another crisis. [Read More]
How Will Rising Interest Rates Affect Families and Businesses?
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How Will Rising Interest Rates Affect Families and Businesses?
28 weeks ago - StateCollege.com - Judy Loy
Improving economic conditions and lower unemployment have led to the FOMC raising the federal funds target rate by 25 basis points (added .25 percent to previous estimates) to a range of 1.50 percent to 1.75 percent this month. The Fed expects to increase rates another three times this year and thr [Read More]
Rediscovering Volatility
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Rediscovering Volatility
32 weeks ago - StateCollege.com - Judy Loy
For those following the stock markets in 2018, market volatility has returned with a vengeance. The past several years of calm uptrend was abnormal and now we are back to the way equity markets are supposed to be. Stocks have risk and that’s why they have higher rewards. [Read More]
Financial Equality for Women Will Benefit All
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Financial Equality for Women Will Benefit All
36 weeks ago - StateCollege.com - Judy Loy
Not only is gender equality a matter of eliminating discrimination but it also creates opportunity for countries, companies and the economy. Studies and models suggest that improving gender parity can result in significant economic improvement. [Read More]
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