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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

The Demise of Shopping Malls
Column
The Demise of Shopping Malls
1 week ago - StateCollege.com - Judy Loy
As with any business area, retail continues to change with online, customization, rental and new players daily. Malls are feeling the pain, and many are no longer a destination for American shoppers. [Read More]
Understanding Municipal Bonds
Column
Understanding Municipal Bonds
5 weeks ago - StateCollege.com - Judy Loy
When discussing investing, many thoughts center on the next hot stock or the latest S&P 500 Index moves. However, if clients are conservative or closer to retirement, fixed income or bonds become a key part of most investors’ allocations. [Read More]
American Capitalism: To Be or Not to Be
Column
American Capitalism: To Be or Not to Be
9 weeks ago - StateCollege.com - Judy Loy
Do I believe that income inequality is harming America? Yes. I believe this comes from the changing business climate rather than capitalism. My belief and hope are that the cry for socialism is a cry for a reworking of American capitalism. [Read More]
Understand the Different Types of Income When Planning for Retirement Understand the Different Types of Income When Planning for Retirement
13 weeks ago - StateCollege.com - Judy Loy
When planning for retirement, it is important to consider all sources of income. There are three sources of income throughout life: social capital, human capital and financial capital. [Read More]
It’s Not About the Money
Column
It’s Not About the Money
19 weeks ago - StateCollege.com - Judy Loy
You may think being an advisor is all about numbers, growth and investments. It is certainly that, but it’s also a lot more. The realization hits home when the couple you have advised for more than a decade comes to their retirement date. The work, the savings and the plans come together to create [Read More]
Know Your Options for Financial Gifts and Charitable Giving This Holiday Season
Column
Know Your Options for Financial Gifts and Charitable Giving This Holiday Season
27 weeks ago - StateCollege.com - Judy Loy
With the holidays and the end of the year approaching, people are thinking about gifts and charitable giving. There are many ways to give, but some ways have more advantages than others. If you are lucky enough to have funds or investments which you feel you can give, here are some various ideas. [Read More]
What to Know About Exchange-Traded Funds
Column
What to Know About Exchange-Traded Funds
31 weeks ago - StateCollege.com - Judy Loy
The typical investor puts money into their retirement plan and sets an allocation of mutual funds to fit their time frame and risk tolerance. Mutual funds have historically been the investment of choice for plans and investors in general, but there is a (relatively) new kid on the block, Exchange-Tr [Read More]
Annuities: The Good, the Bad and the Ugly
Column
Annuities: The Good, the Bad and the Ugly
35 weeks 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
Column
The Future of Business: Blockchain
39 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
Column
Retirement Basics
43 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]
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