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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

Black Lives Matter: Addressing Financial Inequities Should Be Part of the Changes We Make
Column
Black Lives Matter: Addressing Financial Inequities Should Be Part of the Changes We Make
4 weeks ago - StateCollege.com - Judy Loy
I start this article with trepidation. I have always been a proponent of equality but stuck with what I knew: feminism. George Floyd’s death on May 25 has focused our country on an insidious problem that persists in our culture, racism. My expertise is in finance so I will concentrate on that in t [Read More]
Where Are We Now?
Column
Where Are We Now?
8 weeks ago - StateCollege.com - Judy Loy
The economy and individuals continue to struggle this year due to pandemic lockdowns preventing a normal business environment. The latest figures are staggering. [Read More]
The New 'Normal'
Column
The New 'Normal'
12 weeks ago - StateCollege.com - Judy Loy
Adding to the discomfort, there are some things you can’t control. The stock market is one of them. Stocks are a leading indicator, which is an economic factor that changes before the rest of the economy begins to go in a particular direction. Leading indicators help market observers and policymak [Read More]
Fear Leads to Economic Disruption
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Fear Leads to Economic Disruption
16 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
20 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
22 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
24 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
28 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
Column
Music to Your Ears
32 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
36 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]
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