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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

Fear Leads to Economic Disruption
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Fear Leads to Economic Disruption
3 weeks ago - StateCollege.com - Judy Loy
Store shelves are clear of toilet paper and hand sanitizer. In one day, the stock market drops 900 points then goes up 1,000 then ends the trading day down again. “Wheel of Fortune” and “Jeopardy” are taping without studio audiences. The Federal Reserve makes a surprise rate cut. Penn State [Read More]
What’s for Dinner? The Big Business of Food Service Continues to Evolve
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What’s for Dinner? The Big Business of Food Service Continues to Evolve
7 weeks ago - StateCollege.com - Judy Loy
The restaurant industry has also gone through a transition from the rise of food service at convenience store, to changes in how fast food places do business, to chains that operate under corporate conglomerates. [Read More]
Bonds 101
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Bonds 101
9 weeks ago - StateCollege.com - Judy Loy
We often talk about bonds and fixed income but don’t elaborate. People were uncertain about what bonds were all about and how they worked. They just think as they get older, they need more of them in their portfolios, usually through bond mutual funds. [Read More]
A Financial Legacy
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A Financial Legacy
11 weeks ago - StateCollege.com - Judy Loy
When people think of a financial legacy, they believe working with an attorney on an estate plan will suffice. The reality is much more complicated. Many people, from young to old, dislike talking about money but talking and educating yourself and your family and friends about your wishes and values [Read More]
HAL 2025
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HAL 2025
15 weeks ago - StateCollege.com - Judy Loy
We are only in the first phases of the AI progression in 2019. As we approach the next decade, what can we expect from it over the next 20-plus years? [Read More]
Music to Your Ears
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Music to Your Ears
19 weeks ago - StateCollege.com - Judy Loy
Just like my musical tastes, a lot has changed in the music industry through the years. When I first listened to music, I would throw a vinyl record (LP) on and listen to it from start to finish. The album was king. Album sales in 1978 were $14.6 billion, with 63.7% coming through sales of LP/EP or [Read More]
What to Do for Your Year-End Financial Planning
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What to Do for Your Year-End Financial Planning
23 weeks ago - StateCollege.com - Judy Loy
The last quarter of the year brings fall, winter, Thanksgiving and Christmas. Besides the change of seasons and holiday celebrations, people can do several things to save themselves taxes in 2019 or set themselves up for a successful 2020. [Read More]
Let's Talk About It
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Let's Talk About It
27 weeks ago - StateCollege.com - Judy Loy
When is it okay to discuss money? I would say it’s OK with close friends if you don’t compare yourself to others. All people have different circumstances, values and incomes, and that’s OK. And there are some key points when it's important to honestly discuss finances with family and advisors [Read More]
401k vs. IRA
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401k vs. IRA
31 weeks ago - StateCollege.com - Judy Loy
401k plans are synonymous with employer retirement plans. While many types of employer plans exist (Simple IRA, Sep IRA and 403b), most employees call their retirement plan a 401k. Many people wonder if they should contribute to their 401k or an IRA. An IRA is an account setup by an individual with [Read More]
The Ins and Outs of a Roth IRA
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The Ins and Outs of a Roth IRA
35 weeks ago - StateCollege.com - Judy Loy
A Roth IRA is a mirror image of a traditional IRA and the real advantage of a Roth comes in retirement. When you begin pulling, qualified distributions are tax-free. All the growth will never be taxed. [Read More]
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