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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 [email protected]

Articles by Judy Loy

Annuities: Not so guaranteed Annuities: Not so guaranteed
341 weeks ago - Centre County Gazette
 One of the most complicated and misunderstood investment products is annuities. At the simplest, annuities are an insurance products sometimes mixed with investments that are meant to provide a fixed income in retirement. It thus prevents annuity owners from outliving their assets in [Read More]
Annuities – Not so Guaranteed
Column
Annuities – Not so Guaranteed
342 weeks ago - StateCollege.com - Judy Loy
In addition, because one of the main advantages of an annuity is the tax-advantage. Putting one inside of an IRA is like wearing two bras — it’s just unnecessary and expensive. [Read More]
Phasing Out Quantitative Easing: Say It Ain’t So! Phasing Out Quantitative Easing: Say It Ain’t So!
346 weeks ago - StateCollege.com - Judy Loy
In the latest incarnation, Bernanke and Co. are buying $45 billion of Treasuries and $40 billion of mortgage-backed securities per month. On June 19th, Bernanke announced the Fed would start slowly trimming back these monthly purchases. The bond markets slumped. Why would rising interest rates impac [Read More]
When it comes to investing, there is no such thing as a free lunch When it comes to investing, there is no such thing as a free lunch
349 weeks ago - Centre County Gazette
Recently, one of our employees brought in an invitation to a dinner seminar that he received in the mail. It was a nice, hand-written envelope with a professional card on the inside inviting him and his wife to a dinner in Altoona for a presentation on retirement. He brought it in for us to review [Read More]
There are no ‘Free Lunches’, Be Wary of Investment Pitches Served With Meal
Column
There are no ‘Free Lunches’, Be Wary of Investment Pitches Served With Meal
350 weeks ago - StateCollege.com - Judy Loy
The old adage, “if it sounds too good to be true, it probably is” definitely applies to a seminar presentation. Watch out for words and phrases like ‘guaranteed,’ ‘high rate of return,' and ‘there’s no risk’. Is the investment liquid and can it be redeemed at any time? [Read More]
The Sandberg Effect: Are working women defeating themselves? The Sandberg Effect: Are working women defeating themselves?
361 weeks ago - Centre County Gazette
I often comb books, newspapers or magazines to find a subject for this column that interests me and I believe will help others or at least interest them. I was on such a chase today. Should I cover retirement benefits, social security or taxes? At a certain point, I realized the article and topic [Read More]
The Sandberg Effect: Are Working Women Defeating Themselves?
Column
The Sandberg Effect: Are Working Women Defeating Themselves?
362 weeks ago - StateCollege.com - Judy Loy
Women “systematically underestimate their own abilities.” Women need to take more credit for the work they do and get paid accordingly. [Read More]
Judy Loy: What’s the Good News?
Column
Judy Loy: What’s the Good News?
366 weeks ago - StateCollege.com - Judy Loy
What are the current trends that can lead to corporate profits and long-term positive economic times for us and around the world? Judy Loy explains. [Read More]
What's new for 2013 that will affect your pocketbook What's new for 2013 that will affect your pocketbook
371 weeks ago - Centre County Gazette
The Fiscal Cliff (anyone tired of that moniker yet?) was averted at the 11th hour, and many changes take effect in 2013 with more to come in two months. Let’s explore some of the major shifts in contribution limits, gifting and so on that will affect everyone’s pocketbook in this New [Read More]
Judy Loy: What's New for 2013 that will Affect Your Pocketbook
Column
Judy Loy: What's New for 2013 that will Affect Your Pocketbook
371 weeks ago - StateCollege.com - Judy Loy
The Fiscal Cliff was averted at the 11th hour, and many changes take effect in 2013 with more to come in two months. Let’s explore some of the major shifts in contribution limits, gifting and so on that will affect everyone’s pocketbook in this New Year. [Read More]
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