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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

Back to Basics
Column
Back to Basics
3 weeks ago - StateCollege.com - Judy Loy
During a steep downturn — think March 2020 or the 2008 Great Recession — investors tend to let fear rule their decisions. When stocks rise rapidly, investors tend to get greedy going after winners after they may already be overpriced. The best thing is to stick with the basics. [Read More]
Where Are We Now?
Column
Where Are We Now?
7 weeks ago - StateCollege.com - Judy Loy
Due to COVID-19, the United States posted a negative 32.9% annualized rate of GDP for the second quarter of 2020. To put this in perspective, this is the largest drop in U.S. GDP since 1945 (the year World War II ended). In the 2008 “Great Recession,” GDP only dropped 8.4%. Of course, this GDP i [Read More]
Change, and What's Next, in a COVID-19 World
Column
Change, and What's Next, in a COVID-19 World
11 weeks ago - StateCollege.com - Judy Loy
In the last four months, things have changed drastically around the world. The COVID-19 pandemic took the United States from full unemployment to a 14.7% unemployment rate in 30 days. The markets dropped precipitously in March, hitting a low on March 23. However, the second quarter saw stocks post t [Read More]
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
15 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?
19 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'
23 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
Column
Fear Leads to Economic Disruption
27 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
Column
What’s for Dinner? The Big Business of Food Service Continues to Evolve
31 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
Column
Bonds 101
33 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
Column
A Financial Legacy
35 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]
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