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50 W. Lancaster Ave., Ardmore, PA 19003 610-896-6435

ATM Safety Deposit Boxes Coin Machine  Bank Branch

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5000 Pennell Road, Aston, PA 19014 610-364-7800

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135 East City Ave., Bala Cynwyd, PA 19004 610-664-6293

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1436 Lancaster Avenue, Berwyn, PA 19312 610-581-4774

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1436 Lancaster Avenue, Berwyn, PA 19312 610-527-1881

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There are a number of reasons why someone’s insurance may need to be freshened up. From paying off loans, to moving to a new home, to looking for lower rates, consumers can benefit by shopping for new insurance quotes.

As fun as it is to dream of decorating the grand entrance hall of our new mansion for the holidays, reality is often smaller than that. But even in a small space like an apartment or sublet, it’s possible to make a seasonal impression.

The season of gift-giving is almost upon us! Gift cards seem like a great option, but there are perhaps a few drawbacks, too. Weigh these pros and cons before making a decision.

Reuters consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his expert analysis of the Federal Reserve’s decision to hold interest rates steady. Jim explained that the Federal Reserve appears to be on hold for the near term.

Frozen snowscapes are beautiful, but snow and ice affect the house and the car, too. It is best to know what to do in case of an emergency, so that a snow day remains a fun memory, and not a family disaster.

When Refi Isn’t Right

Refinancing while rates are low can be quite tempting, but it’s not always the smartest choice. Before calling up your mortgage lender, consider these reasons why putting your refinance plans on hold may be a better move.

Enough Positive Signs Amid Mixed Economic Data to Push Stocks Higher: Equity markets started December on a negative note (-1.51%) as investors sold risk assets during the first two trading sessions. The move lower proved to be short-lived, but it was driven by worrisome trade headlines and disappointing manufacturing data provided by the Institute of Supply Management’s (ISM) Purchasing Manager’s Index (PMI).

Even though we’re barely stepping into the cooler months and getting prepared for everything from Christmas to blizzards to making sure our pipes don’t freeze up, it’s the perfect time to get prepared for spring remodeling.

As 2019 comes to a close, Bloomberg turned to Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, for insight on the year’s stock market performance. While a five percent pullback is still in the cards, Jeff explained he doesn’t expect an immediate end to the current bull market.

While no one should go about the holidays thinking that something bad is destined to happen to their new gifts, it’s important to know what’s covered under certain insurance options and how items can be protected from loss and damage.

There is nothing quite like the ambiance that a fireplace can create, with family gathered around to appreciate its warmth and pleasing light. Of course, an open fire is dangerous, so keep these tips in mind before you light the logs.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, shared his take on recent activity in the treasury markets with Reuters and explained why he anticipates uncertainty to linger for investors in the foreseeable future.

Stocks Push Higher as Economic Data Firms; Has Santa Come Early for Equity Investors?Last week, U.S. economic growth was revised modestly higher in the third quarter from an annualized rate of 1.9% to 2.1%. The upward revision was driven partly by healthy consumer spending as well as business inventory accumulation.

Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, authored an article for MarketWatch on how to teach adult children about finance. Jen recommended a variety of methods to prepare young adults for realities like the importance of credit scores and learning to negotiate your salary early on in your career.

S&P 500 Marks Time After Recent Advance; Trade & U.S. Economy Remain the Focus: The S&P 500 Index was unable to add to its streak of six consecutive weekly gains, as it finished with a modest loss of -0.29% for the five-day period just ended. Equities arguably deserved a breather after the advance registered during the recent run up. With the modest setback, the S&P 500 has returned +26.3% year-to-date.

CNBC turned to Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, for his insight on the market rally. Jeff explained how investor sentiment surrounding trade issues has played a role in driving recent activity.

After the S&P 500, Dow and Nasdaq hit all-time highs, Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, joined CNBC’s Trading Nation to discuss the current state of the market and trends he’s watching moving forward. Jeff explained why it’s important for investors to remain fully invested despite any short-term pullbacks in the market.

Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, appeared live on CNBC’s Fast Money segment to take a look back at what’s led to recent all-time market highs. Jeff shared which areas of the market he believes have room to run well into 2020.

As recession concerns continue to mount, U.S. News & World Report featured Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his expert advice on how to construct fixed-income investments during an economic downturn. He outlined key ways to manage risk, including utilizing a barbell approach when incorporating corporate issuers within the bond portfolio.

In honor of National Philanthropy Day, Bryn Mawr Trust (BMT), a subsidiary of Bryn Mawr Bank Corporation (BMBC) (NASDAQ: BMTC), announced it has partnered with Philanthropi, the first impact-driven giving platform that provides both individual and aggregated views across all acts of philanthropy. 

Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg for his take on how the market is reacting to doubts of a potential trade resolution for the U.S. and China. Although Jeff still sees a positive path, there is the possibility of intermittent setbacks.

Rates are Rising and The Yield Curve “Un-Inverts”… What’s the Message? Higher rates have been grabbing market headlines of late. Since the beginning of November, the 10-year U.S. Treasury yield has risen from 1.69% to 1.93%. On a percentage change basis, this is a 15% move in a week — not insignificant.  Should equity investors be concerned?

Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty office, spoke with Kiplinger about strategies for trimming your tax bill at year-end. Paul explained how deferring income and accelerating deductions can help investors to steer clear of potential underpayment penalties.

Amid the news of a pending U.S.-China phase one trade deal, Jeff Mills, Bryn Mawr Trust’s Chief Investment Officer, joined CNBC’s “Power Lunch” to discuss his market expectations moving into 2020. Jeff explained how interest rates and trade news could contribute to a cyclical rotation in the market.

This Thanksgiving, why not shake it up a little? Don’t just be thankful, give someone else a reason to be thankful, too. Here are 10 ways to pay it forward this Thanksgiving season.

The Associated Press turned to Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, for his interpretation of trade negotiations between the U.S. and China. Jeff illustrated why each side has reason to strike a deal and how that leads him to be optimistic about a positive outcome.

With a busy schedule, it’s easy to resort to fast food or skipping meals altogether. Prepping meals ahead of time is a great way to skip the drive-thru and control what to eat. By taking a little time to plan, meal prep can save you time and money.

Are robot vacuums really worth the hype? Can they replace cleaning services? Are cleaning services really needed? Let’s dive into qualities of both to see which is right for you.

Stocks Reach New Highs as Key Economic Data Signals Stability. Last week we received important data linked to the labor market and the manufacturing sectors. Slowing jobs growth and weakening global manufacturing have been widely cited by market-bears as key evidence that record stock market highs would be short-lived. Recent economic data supports a different, less negative, forecast. 

Benzinga featured Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, on the PreMarket Prep radio show to hear how he’s positioning client portfolios through year-end. Jeff explained why it’s important for investors to be patient at this point in the economic cycle and what he’s keeping his eye on as we head into 2020, including the Fed’s next course of action.

College can be fun, but it’s also hard work. Midterms in particular can be one of the most stressful and lonely times for a college student on a limited budget. Care packages are the perfect opportunity to send a little love.

BMT Wealth Management President Jennifer Dempsey Fox and Jennifer Marshall, senior vice president and director of tax services at BMT, discuss the time-sensitive topic of Qualified Opportunity Zone Funds, created by the Tax Cuts and Jobs Act (TCJA) of 2017. This is a follow-up episode on a closely watched topic that, until recently, was in need of definitive IRS regulations.

U.S. News & World Report turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for an in-depth look at money market mutual funds. Jim discussed why the SEC implemented guidelines to increase transparency in these funds and that it is always helpful for investors to carefully review the reforms associated with each fund.

Finally, a day off of work! Make a day off feel special and recharge, rejuvenate, and replenish yourself while getting the most out of it. Here are some personal ways to make the most of a day off.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the Federal Open Market Committee (FOMC) meeting that concluded on October 30, 2019. As expected, the federal funds target range was cut by 25 basis points – the third cut in as many FOMC meetings. Chairman Powell’s post-meeting comments indicated that the U.S. economy is in a good position while monetary policy remains somewhat accommodative. Jim also discusses the low inflationary environment and the unlikely scenario that the Federal Reserve resorts back to raising interest rates again in the near term.

After the Federal Reserve announced the third interest rate cut of a quarter point in 2019, Bloomberg consulted Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, for insight on this decision. Jeff explained that the Federal Reserve is working to moderate the market’s expectations.

Purchasing a home, especially for first time homebuyers, is an exciting time in life. Style, location, and budget all are at the forefront of every buyer’s mind. However, even for couples who don’t have children, considering schools when purchasing a home is also important.

BMT celebrated women’s health in October, National Breast Cancer Awareness Month. The effort, launched internally earlier this month, was meant to increase awareness about the importance of early detection and acknowledging and supporting individuals and families affected by breast cancer.

With just a few months until the holiday season begins, it is still not too late to start building a solid emergency fund. New tires, unexpected medical expenses, and plumbing issues are just a few of the reasons to build an emergency fund. So, what can you do to quickly save between $1,000 (minimal) to 3-6 months of expenses (optimal)?

For the week, the S&P 500 registered a return of just over 1.2%, with notable gains starting and ending the week. The advance on Friday was aided by news that headway had been made on specific trade issues with China.U.S. Trade Representative Robert Lighthizer and Treasury Secretary Steven Mnuchin spoke with China’s Vice Premier on Friday. Afterward, they released a statement saying the two sides were finalizing portions of what would be phase one of the agreement.

Freak accidental deaths may sound like something made up, but they’re unfortunately all too real. To better understand what can be protected, here is a list of freak deaths that have actually happened and can be covered against with term life insurance.

6 Halloween Safety Tips

Trick-or-treating, classroom parties and trips to a neighborhood haunted house are all fun activities that are unique to this time of year. But there is a fine line between Halloween fun and safety concerns. To help ensure adults and children have a safe holiday, strictly follow these proven safety tips.

BMT Wealth Management President Jennifer Dempsey Fox and Steve Klammer, senior vice president and director of wealth advisory services at BMT, sit down for a wide-ranging discussion on estate planning when facing a divorce. They broach such sensitive areas as planning for incapacity and death; updating of documents; beneficiary and fiduciary considerations; choosing your professional team; and potential impacts to retirement, insurance, and cash flow.

While home alarm systems have been helpful in notifying police, today’s home security technology is helping to provide even more protection and prevention. Here are five high-tech home security gadgets that can keep your family, home, and everything inside safe and sound.

Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, served as a guest host on Yahoo! Finance to weigh in on how major geopolitical events are impacting financial markets. 

Paying debt and saving money are both very important financial goals. You may need to assess your financial situation and how you can tweak your savings and debt-payments to move your goals forward in each area.

Traditionally, people shopping for a first home or a new home wait until a large number of homes go on the market in spring and then sell before summer. However, there are 10 reasons you should start house hunting in the fall. 

According to Harvard Business Review, one in five employees is at risk for burnout at the workplace. However, if an employee feels that they are on the way to a crash and burn, there are a few ways to stop getting burned out at work.

Although horror movies aren’t always met with the highest of critical regard, if you’re looking for some Halloween flick movie recommendations, here are the top 10 grossing horror movies of all time, sure to be a hit at your Halloween get-together.

Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (the “Bank”), today reported net income of $16.4 million, or $0.81 diluted earnings per share for the three months ended September 30, 2019, as compared to net income of $15.8 million, or $0.78 diluted earnings per share, for the three months ended June 30, 2019, and $16.7 million, or $0.82 diluted earnings per share, for the three months ended September 30, 2018.

Whether you’re putting on a large Broadway production or a small community theater show with limited resources, the performing arts in general come with a wide range of risks to look out for. If you run a performing arts operation of any kind, it’s important to understand the risks and claims that are present as well as how to protect your company with performing arts insurance.

With earnings season in full swing, Bloomberg turned to Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, for his expert market analysis. Jeff explained why he doesn’t expect upcoming earnings reports to elicit major market movements.

Amid a particularly complex global economic and political backdrop, Jeffrey Mills, Chief Investment Officer at BMT Wealth Management, tackles a number of the most pressing topics for investors. There is something for everyone in this podcast, as the discussion ranges from the practical considerations of how to invest new cash, to more complex topics like forecasting the next recession and the U.S. national debt.

Packing school lunches for your kids that they want to eat and will give them nutritional value is not always an easy task. Consider these tips when packing a nutritious lunch that your children will look forward to eating and you’ll feel good about giving them.

Amid a particularly complex global economic and political backdrop, this quarter we tackle ten of the most pressing topics for investors.  There is likely something for everyone is this piece, as we cover everything from the practical considerations of how to invest new cash, to more esoteric topics like negative interest rates and the U.S. national debt.

Roof maintenance or replacement is a necessary part of home ownership. It can be time-consuming and frustrating, but with preventative maintenance, most homeowners can stay ahead of any problems they may have with their roof.

CNBC’s “Trading Nation” featured Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, on a recent segment covering the latest market activity. Jeff shared his outlook for the remainder of 2019 and explained why he may take a more defensive stance through year-end.

Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, discussed President Trump’s proposed trade deal with China and the market surge that followed on CNBC’s “Fast Money”. Jeff illustrated the importance of maintaining a broader view on all trade deals, including the ratification of NAFTA 2.0, when looking ahead at activity through year-end.

Fall is a great time to take care of basic home maintenance that will help you prevent damage to your property while also avoiding insurance claims. Here are some simple ways to protect your home from seasonal damage!

The S&P 500 Index closed out the first three quarters of the year on Monday with a year-to-date advance of 20.6%, registering its best showing over the first nine months of a year since 1997. A flurry of economic releases created a great deal of volatility over the week, but little in the way of meaningful damage to stock investors. While the S&P 500 closed down for its third consecutive week, the loss was held to a negligible -0.3%.

With many people juggling work, home, and social obligations, self-care often takes a back burner. Following these 5 simple habits will make the balance between physical, mental, and even emotional well-being will make life a little easier.

There are several fire safety tips that every homeowner should be aware of when owning a home.

Creating the perfect elevator pitch can be tricky, so sticking to a tried and true formula can help a person go from just standing in line at the grocery store to landing a job interview with the perfect company.

Stocks stumble on political headlines, but likely remain resilient given subdued investor sentiment: U.S. stocks were down for the second week in a row as mixed trade headlines and impeachment concerns further slowed the market’s upward momentum. Encouragingly, even as stocks approached all-time highs earlier in the month, investors remained skeptical as evidenced by numerous survey-based measures as well as defensive fund flows.

Amid the government’s considerations to restrict U.S. investments in China, Jeff Mills, Chief Investment Officer at Bryn Mawr Trust, joined CNBC’s “Fast Money” to discuss possible implications for the market. Jeff also explained how this decision could impact investors who receive international exposure via broad market indices.

Jennifer Dempsey Fox, President of BMT Wealth Management, is joined by Elizabeth B. Wagner, BMT’s Director of Institutional Wealth Management, to discuss trends in philanthropic giving, especially the use of donor advised funds and private foundation vehicles. They discuss the differences between the two models as well as considerations – goals, timing, transfer of family values and other issues – when deciding to organize your giving.

It is never too early to teach children or grandchildren about saving money. Starting as early as preschool, even the youngest child can learn the basics of saving money.

For anyone who has ever looked for a new abode, the cost of purchasing a home can range drastically from neighborhood to neighborhood and from state to state. Here is a simple list of states with their average home prices (AHP) and cost per square (CPS) foot for each state.

We live in a time where entrepreneurship is praised and people are starting businesses with not just their spouses, but their entire families—even their children! Here are a few business ideas that can be started with your children and can teach them viable skills for the future.

In short, we obtained no new information that resulted in a material shift in our outlook. The concerns that drove volatility back in August 2019 (i.e. United States/China trade escalation and rapidly falling interest rates) appear to have stabilized, a least for the moment. The lynchpin for this expansion has arguably been the resilience of the U.S. consumer, which is showing no visible signs of weakening.

The tiny house wave has hit America hard, and those who choose to live the tiny lifestyle want to save money, cut their carbon footprint, and are fine living in less than 400 square feet. Is it right for you?

With the holidays looming in the near future, there always seems to be a large jump in price for airline tickets. Questions such as when is the best time to buy a ticket to deciding whether to drive or fly can be stressful, not only to the psyche but the wallet as well. But what is the best way to budget for traveling for the upcoming holidays?

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the two-day Federal Open Market Committee (FOMC) meeting that concluded on September 18. As expected, the federal funds target rate was cut by 25 basis points. Chairman Powell acknowledged in the post-FOMC meeting news conference that the underlying strength of the U.S. economy remained very favorable although trade policy uncertainty as well as weak economic growth trends overseas were potential risks to the Committee’s mostly positive outlook for the U.S. economy.

Starting a business with your significant other might be the ideal situation for some couples. While it may seem like a bad idea to others, there are some couples that make excellent business partners. Here are some of the best businesses that you can start with your significant other.

What is the real cost of paper vs plastic? Depending on how you define “cost”, the answer varies.

The Dow Jones Industrial Average recorded its eighth consecutive daily gain last Friday, September 13, 2019 and ended the week up +1.65%. Investor risk aversion subsided throughout the week as positive U.S. economic data and easing trade tensions contributed to positive equity performance across major equity indices.

Food trucks are currently trending and show no signs of slowing down. Interested in starting your own food truck? Here are the most important things to take care of.

In an urban setting, an oasis can be hard to find. But what if this area was right in your backyard? With these 5 handy tips, you can turn your own backyard into an urban oasis.

Starting a nonprofit to serve a community is a common dream among many individuals. However, doing so involves many factors and takes a lot of dedication.

Apartments range widely in style, price, location, and amenities. Here is a breakdown of the cost to rent a one-bedroom apartment in these major U.S. cities.

Ernie Cecilia, Chief Investment Officer Emeritus at Bryn Mawr Trust, joined Fox Business’ “The Claman Countdown” to share his insight on the current state of the markets and the consumer’s role in shaping our economy.

In order to run a successful business, learning how to prioritize is a vital skill. Here are three tips on how to prioritize the decision-making process to make the most of your time in order to grow your business.

It no longer takes money to make money. College students can start investing with pocket change and putting their time to good use. The earlier you start investing, the more time your investments have to grow. Don’t let a lack of investing expertise keep you out of the market!

As a patriotic symbol of our country, the American flag should be respected and honored when displayed. There are several guidelines for displaying and disposing of the American flag.

As the yield curve continues to invert, Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Reuters to share what this means for fixed income investors. Jim explained how ongoing trade tensions are playing a role in today’s bond market activity.

Unique vehicles require special auto coverage. A classic, custom, collectible or antique car requires insurance that reflects your vehicle’s uniqueness and value. If you own a show car, it is in your best interest to learn about the kind of policy you need.

During the summer, retailers have already kicked off back-to-school season. Back-to-school shopping is the second busiest time of year for retailers after the Christmas season, and stores have already started setting up their school displays. Implement certain buying strategies to get everything on your list without breaking the bank.

Global Manufacturing Weakness Persists: Purchasing Managers’ Index (PMI) figures released last Thursday, August 22, 2019, based on survey responses compiled by IHS Markit Group, revealed further weakness in the global manufacturing sector. The heavily export-driven German economy, which posted a slight decline in real GDP growth in the second quarter of 2019, was the negative outlier in terms of PMI readings.

Moving away from home into a dorm room can be exciting and overwhelming at the same time. However, college students don’t have to live in bland surroundings while furthering their education. In fact, for less than $500, any student can turn their blah dorm room into a tricked-out space that is stylish and shows off one’s personality.

With over 30 states in the U.S. suffering from some level of drought in the last decade, trends have turned to landscaping that uses less water or are completely water-free. Depending on where you live in the country, the need for water can vary greatly. Here are 6 landscaping ideas that don’t require any water and can improve the look of your home’s exterior.

It no longer takes money to make money. College students can start investing with pocket change and putting their time to good use. The earlier you start investing, the more time your investments have to grow. Don’t let a lack of investing expertise keep you out of the market!

There really is no need for a massive budget to effectively market your small business. Connect with the target audience through email and social media and use your newly found SEO keyword knowledge to get potential customers to your fabulous website.

Economic Data: Volatility is Picking Up: Volatility in the equity markets has certainly picked up in August as investors consider the likelihood of a global economic recession. This past week, economic data out of China and Germany provided further evidence that global economic growth is slowing while the U.S. consumer continues to be a bright spot for the U.S. economy.

Bryn Mawr, Pa., August 19, 2019 – Bryn Mawr Trust (BMT), wholly owned by Bryn Mawr Bank Corporation (NASDAQ: BMTC), announced today that Jeffrey Mills has joined their wealth division as Senior Vice President and Chief Investment Officer. Mr. Mills reports directly to Jennifer Dempsey Fox, President of BMT Wealth Management, and will maintain an office at the firm’s new Berwyn, Pa. location beginning September 16, 2019.

While social media sites such as Facebook or Twitter focus primarily on connecting users with friends and family, Instagram is fast becoming the choice social media platforms for users. The eye-catching platform used by Instagram engages users by relying heavily on stimulating visual elements. With over 1 billion active Instagram users monthly, it is no wonder that businesses have turned to Instagram as a very useful marketing tool.

BMT announced today that Ernest E. Cecilia, Senior Vice President and Chief Investment Officer for BMT Wealth Management, will retire on December 31, 2019. Mr. Cecilia will consult with BMT through the end of 2020, ensuring continuity of the transition.

U.S. News & World Report turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his current evaluation of the municipal bond market. Considering the Federal Reserve’s recent interest rate cut and the tax advantages associated with municipal bonds, Jim expects investor demand will continue for the remainder of 2019.

Edward will focus on developing and overseeing BMT’s ongoing relationships with clients and managing the delivery of wealth management services using his broad-based fiduciary knowledge and experience, in addition to bank resources, to identify opportunities for relationship enhancement.

Do you like to grill? Then focus on an area dedicated to grilling and eating. Rather kick back and watch the football game with a cold one? Then focus on an entertainment area complete with a cooler for beverages. How about a pizza fanatic? Then focus on an Italian style pizzeria complete with a pizza oven.

Many parents wonder if they should give their children an allowance. An allowance for kids helps when they begin to do more independent activities. It can be a wonderful opportunity for a child to learn financial decision making, saving, budgeting, and money management – lessons that many high school graduates say they wish had been taught more in school.

Ernie Cecilia, Chief Investment Officer of Bryn Mawr Trust, joined CNBC’s Power Lunch to discuss recent economic activity. While favoring domestic stocks with more reasonable valuations, BMT is keeping a close eye on trade discussions and market volatility for clients.

When running a business, you may be considering certain types of insurance to keep your operations, finances, and employees safe. Things like fire insurance, property damage coverage, and maybe even auto policies for business cars may first come to mind. But have you considered kidnap and ransom coverage?

BMT announced today that John M. Bonvetti, Jr., CFP®, has joined the wealth division as a Senior Vice President and Senior Investment Advisor. Mr. Bonvetti reports directly to Mark Bradford, Wealth Director at BMT’s new Berwyn, Pa. location.

Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for insight on the rebound of the S&P 500 following recent bouts of volatility and why he doesn’t expect the volatility to subside overnight.

BMT Wealth Management President Jennifer Dempsey Fox sits down with Neil Orechiwsky, senior vice president and Managing Director of Capital Markets at Bryn Mawr Trust. Neil and Jen give a primer on interest rate swaps, a product used to mitigate risk and used often in conjunction with other banking products and services. Listen in as they discuss “swaps” in terms of rate hedging, risk management, foreign exchange risk management, credit portfolios, and more.

All winter long, bundled up people have been dreaming of sitting outside in the warm sunshine with shorts and t-shirts with a tall icy beverage in hand soaking in the sun’s rays. Now that summer is here, you may notice that the back yard is, well let’s face it, a little bare. Let’s turn that outdoor living space into your own piece of paradise.

Rate Cut as Expected: The Federal Reserve Bank, and specifically the Federal Open Market Committee (FOMC), was once again center stage last week. On Wednesday (July 31), the FOMC lowered the federal funds target range by 25 basis points (0.25%) to a range of 2.00-2.25%—as widely expected. This was the first rate cut in more than 10 years.

Save money on soaring energy bills by using low-cost, energy-efficient enhancements to stay comfortable even when the temperatures keep rising. As a modern 21st century resident of planet Earth, most of us have become accustomed to staying at a certain comfortable temperature all year round. Even when temperatures drop to below freezing in the winter and climb into the three-digit scorching numbers in summer, we expect to have a certain level of comfort.

Following the release of the July jobs report, Bloomberg consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his analysis of the new data. Ernie explained why the firm doesn’t anticipate that the results of this report to have as great of an impact on the U.S. economic growth narrative and the markets, relative to the latest trade war rhetoric.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the two-day Federal Open Market Committee (FOMC) meeting that concluded on July 31 as well as the post-FOMC meeting press conference held by Fed Chair Jerome Powell. Jim highlighted the 25 basis point (0.25%) rate cut as well as the primary risks to continued U.S. economic growth.

NBCNews.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his analysis of the most recent GDP report. Ernie explained that trade policies are having an effect on corporate capital spending plans, as highlighted on second quarter earnings calls.

Second Quarter Growth Slows, But Exceeds Expectations: Last week’s series of economic reports, which included Home Sales (both new and existing), Durable Orders (manufacturing activity), and Initial Claims (new unemployment insurance benefits) didn’t have much of an effect on the financial markets.

U.S. News & World Report consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about the benefits of preferred stock and when it might have a place in an investor’s portfolio. Jim explained that preferred stock may be attractive to investors seeking alternatives to fixed income in low-yielding environments.

The market for supply chain management has reached across the globe, and as relationships between nations continue to grow in terms of trade and commerce, few supply chains can exist within one country or part of the world. With international trading of goods and resources comes issues related to compliance and insurance, and supply chain companies need to understand where they stand.

Save money on soaring energy bills by using low-cost, energy-efficient enhancements to stay comfortable even when the temperatures keep rising. As a modern 21st century resident of planet Earth, most of us have become accustomed to staying at a certain comfortable temperature all year round. Even when temperatures drop to below freezing in the winter and climb into the three-digit scorching numbers in summer, we expect to have a certain level of comfort.

The U.S. Consumer is Alive and Well: The 1861 novel, Great Expectations, by Charles Dickens covers several subjects including the issue of good triumphing over evil.Metaphorically, if not actually, the University of Michigan’s preliminary (first half of July 2019) Consumer Sentiment Index released on Friday, July 19 recorded a good reading of 98.4, up from 98.2 in June 2019.

Lighting sets the mood. Whether it’s indoors for a romantic meal or a full moon shining over a calm sea, lighting is powerful to the senses. When deciding how to enhance your backyard to create the perfect effect, lighting is an important factor.

If you’re trying to save some serious time and money while on a trip for your errands, making a list never goes wrong. It doesn’t matter what platform it’s on, it can be on your phone, your Apple Watch, or a piece of paper.

BMBC, today reported net income of $15.8 million, or $0.78 diluted earnings per share for the three months ended June 30, 2019, as compared to net income of $10.7 million, or $0.53 diluted earnings per share, for the three months ended March 31, 2019, and $14.7 million, or $0.72 diluted earnings per share, for the three months ended June 30, 2018.

Opening a new franchise can be tempting for an entrepreneur. Franchise-growth rates are keeping pace with the growing economy. In 2017, there was a 3.1% growth rate for franchise employment with a projected 3.7% growth rate for the following year. Some new business owners may think that it may be easier to own a franchise than to start a business from scratch, but there are seven questions you should ask before becoming a franchise owner.

Ernie Cecilia, Senior Vice President and Chief Investment Officer at BMT Wealth Management, provides commentary on the second quarter of 2019 and discusses must-watch metrics that may impact the quarter and year ahead. This thorough market summary includes information on a wide range of important topics including: Valuation of large cap and mega-cap tech stocks, bond yields and their impact on the equities markets, inflation data, GDP growth, and the probability of a Fed rate cut in the coming months.

Earlier this year, the BMT Investment Team provided its expectations for the global economy, as well as the equity and fixed income markets for 2019. Our comments followed a dismal fourth quarter in 2018 where risk aversion was widespread across various asset classes. Today, the economic and financial market environment has changed given the strong performance of risk assets in the first half of the year coinciding with a meaningful drop in bond yields across the yield curve.

BMT Wealth Management President Jennifer Fox sits down with Elizabeth Wagner, SVP and Director of Institutional Wealth Management at BMT for our latest episode. In this edition, they discuss a range of concepts focused on helping nonprofits plan for a sustainable “forever” future, including fiduciary responsibility, spending policies, annual payouts, board and investment committee composition, and the mechanics of fundraising.

Today, more and more people are abandoning the traditional 9-to-5 grind in favor of a more flexible lifestyle. The benefits are easily apparent: instead of waiting to accrue enough vacation time to travel, you can just pick your work up and take it with you, wherever and whenever you want. However, not all jobs are equally suited to the nomad lifestyle. These are some of the best careers to take on the road.

For many women, the greatest job they will ever have is motherhood. It may be surprising to these women to realize that the same qualities that make a great mother also make a great entrepreneur. There are 15 reasons that mothers seem to make great entrepreneurs.

Gone are the days of darkrooms and rolls of film (although some photographers still use this medium). With today’s technology, the photography industry has completely changed in a short amount of time due to software such as Photoshop and even smartphones with high pixel cameras.

Ms. Bittner will, in this newly created role, focus on developing growth strategies, support infrastructure, and the professional development of BMT’s expanding commercial real estate and commercial and industrial lending groups. This strategic investment will allow us to better serve our existing customer base and focus on growth and expansion, while fulfilling the needs of a broad range of commercial enterprises and nonprofit institutions.

That car that’s been stalling in the garage is about to finally be paid off and the feeling is immensely exciting. Not only is that a big chunk of debt off your record that’s been paid off successfully, it also means that you’ll probably get a bump in your credit.

Choosing the perfect business name can be a struggle for many people. First, choose a name that is easy to remember. Make sure it best-reflects the actions of your business. Don’t forget about copyrights or other legal considerations.

Okay, so you weren’t able to plan out that big Tahiti-French Polynesia trip that you wanted with a detour to New Zealand. Then the breakup happened and you canceled the big backpacking trip you always wanted. It’s okay, things get put on hold.

Buying a new home can fulfill many dreams: the dream to live in the type of home that one has dreamed of for years, the dream to expand to a home with more room, even the dream to live in a particular neighborhood or city. However, before diving into making an offer on that dream house, consider the wants, needs, and must-haves of the home you purchase.

BRYN MAWR, Pa., July 02, 2019 (GLOBE NEWSWIRE) — Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company, (“BMT”) expects to report second quarter 2019 financial results before markets open on Thursday, July 18, 2019.

Whether you are a small business owner or inspiring entrepreneur, it is vital to have a financial plan for your business. Simply put, a financial plan is a plan of action for your finances. It’s a strategy that helps business owners achieve their goals.

Whether it is a slip, a fall or a trip, there’s only so much that can be done to prevent liability risks from occurring at your business. These issues can happen at any time and sideline customers or employees who take a nasty spill on your premises. Not every slip and fall case will lead to legal issues necessarily, but you can never be too sure of what kinds of problems will come up in the near future. If a valid claim is made, filed, and settled against your company, it can be hard to navigate and draining to your overall business.

Following the G-20 summit, NBCNews.com consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, about how trade deal progress between the U.S. and China is driving global markets. Ernie explained that President Trump’s decision to postpone further tariffs on China is providing investors relief in the short term.

A business owned by a single individual is automatically considered a sole proprietorship. If a person uses their name in the company title, there is no need to register the business name with the state. However, if they give the company a name that does not include their name, they will more than likely have to register with the state.

Ahead of President Trump’s meeting with Chinese President Xi Jinping, CNBC.com spoke with Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, about the state of global markets. Ernie explained why the market is eager to receive news of a specific timeline for resolution of trade discussions.

There’s no reason why same-sex couples can’t have the benefits that other couples do, especially since same-sex marriage has been legal across the United States for nearly four years now. Same-sex couples today in the United States can always look to simplify their finances.

Are you planning on making some upgrades or renovations to your home? Finally getting that new bathroom you’ve been eyeing or installing new cabinets in the kitchen? That’s always an exciting change, but can definitely add some stress to your plans when it comes to making sure insurance is set up and covering what you need.

BMT announced today that Pedro Nicolas Velecico was appointed CRA Mortgage Lender for their mortgage division and is based in Bryn Mawr, Pa.

MarketWatch consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his market analysis after Federal Reserve Chairman Jerome Powell indicated that they will continue to monitor the economy before issuing an interest-rate cut. Ernie explained how continued uncertainty in the Fed’s language impacts the markets.

When thinking of buying bulk, everyone immediately thinks Costco or Sam’s Club. Readily available across the nation, there aren’t your ordinary grocery stores. These are the ones where you can not only buy one item, but a host of them at once.

No Longer Patient: On December 19 of last year, the Federal Reserve (Fed) raised rates and foreshadowed additional gradual increases in 2019. Then, just weeks later, the Fed seemingly backed away from any near-term rate increases at its January 2019 FOMC meeting.

Great news: it’s National Camping Month! Which means this is the best time to get you, your family and friends out to experience a little bit of what nature has to offer. Camping is a great way to relax and unwind from a hectic, chaotic lifestyle, especially if you live in the city.

The American lawn has been on a steady decline in overall square footage since the late 70s. In contrast, the average size of the American home has grown since that time. It seems that the modern home buyer is demanding more house and less yard. So, can a smaller yard actually boost a home’s value?

Following President Trump’s remarks over the conflict with Iran, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for insight on why this event drove market fluctuations. Ernie explained that the tensions create short-term uncertainty in the markets, but expects a resolution on this matter in the long term.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the two-day Federal Open Market Committee (FOMC) meeting that concluded on June 19 as well as the post-FOMC meeting press conference held by Fed Chair Jerome Powell.  Jim noted a disappointing recent jobs report, healthy consumer spending data, a noticeable drop in bond yields, and the Fed’s elevated concern over certain economic metrics.  Overall, the Fed left the federal funds target rate unchanged between 2.25% and 2.50%.

After years of blood, sweat, and tears, your athletically-gifted student athlete has landed a full scholarship to play their favorite sport at the college level. This is exciting, life-changing, and something that could possibly open doors for them following their college career. But as you well know, playing any sport at an elite level can also open the door to injuries that can sideline them for a game, a month, or have long-term effects on them for the rest of their lives.

For those who have a spare room, the thought of renting out that room on a site such as Airbnb can seem appealing. However, the unknown of jumping into becoming a host can keep people from taking that leap. If earning extra cash each month for a part of your home that is currently going unused seems appealing, or if you are wondering whether you should Airbnb your extra space, here are a few things you should know about becoming an Airbnb host.

Consumer spending rebounded in May 2019, a positive indication that recently reported weak labor market data has not deterred consumers from spending. Retail sales increased during the month by a healthy +0.5%, following upward revisions to the prior month of +0.3%.

Winning ‘W’ Companies are cited in the 2020 Women on Boards (2020WOB) annual Gender Diversity Index which tracks the numbers of corporate board seats held by women among the Russell 3000 Index. As of 2018, the percentage of board seats held by women rose to 17.7%, up from 16.0% in 2017. This upward trend represents good progress, but still, half of the Russell 3000 companies have one or no women on their boards.

The entrepreneurial spirit is alive and well in colleges today. A booming market and a healthy economy allow many students to dream big and take the leap into starting a business. However, starting a business is hard work and even harder while still in college, but it can be done. Here are 5 smart tips for making that transition from college student to business owner easier.

If you like any original series from these streaming giants, the only place you’re going to catch them is on their websites and apps. Nowadays it doesn’t even have to be from your television. But what’s the best way to effectively curb your costs on a monthly cable bill? Not everyone wants the same shows to watch.

Every employee plays an important role in the workplace, and losing them suddenly is always detrimental to the business. It takes time to replace a quality worker that many companies don’t have the extra time to do. However, there are insurance measures that can be put in place in order to make sure that a business can recover from a major loss while still assisting the family of the late worker.

Further Evidence of Slowing Economic Growth: We have mentioned on multiple occasions over the past few months that economic data has continued to weaken. This past week’s employment report for May 2019 further substantiates prior claims we have made that the economy is slowing.

It may seem like an impossible task, competing with mega companies that seem to have an endless cache of money and resources. However, there are ways that even small businesses can compete in this David and Goliath story.

Whether it’s the basement, attic, or an extra room in the house, the Man Cave has come to represent an area where a man can relax and rewind. Most man caves are filled with gadgets and electronics to rival any tech store, but what they really represent are a place where a man can feel like there is a place where he can express himself. No frills or doilies, just a pure testosterone-filled room perfect for the things he truly loves.

Summer is quickly approaching us, which means your kids are going to be out of school. This also means it’s time to keep them entertained until school is back in session. At-home summer camps are a great idea to help keep children entertained while on a budget.

Emboldened by solid domestic economic growth, the Administration launched a trade war on our southern border in the form of proposed 5% tariffs on exports coming into the United States from Mexico. The proposed tariffs are a retaliatory move focused on the entry of illegal immigrants into the United States.

While lawyers may be focusing on their cases and the industries in which they represent, they are still operating as a business. Whether it’s criminal law, environmental law, financial and social services, all law offices must obtain business insurance to cover the various risks that they are open to. Professional liabilities related to the legal services they provide can arise from even the smallest mistake, so it’s important to invest in the various types of business insurance offered by local providers.

Winning ‘W’ Companies are cited in the 2020 Women on Boards (2020WOB) annual Gender Diversity Index which tracks the numbers of corporate board seats held by women among the Russell 3000 Index. As of 2018, the percentage of board seats held by women rose to 17.7%, up from 16.0% in 2017. This upward trend represents good progress, but still, half of the Russell 3000 companies have one or no women on their boards.

Acorns’ Grow, a CNBC.com affiliate, sought expert market insight from Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, at 2019’s halfway point. Ernie provided his outlook for the markets through June and beyond as trade negotiations between the U.S. and China continue.

In Pennsylvania, individuals looking for the right personal insurance options for their automobile coverage have a few choices. Citizens in the state can choose between full tort, which allows policyholders to sue for pain and suffering, and limited tort and forfeit the right to compensation when it comes to pain and suffering. A limited tort option typically offers a small discount on a monthly premium.

In the last 20 years, individual states in the country began implementing workers’ compensation laws that require companies to provide medical expense reimbursements and other benefits to employees who fall victim to a workplace injury or illness. From major corporations to small businesses, workers’ compensation has become a regular component of benefits packages for employees.

Small business owners enjoy great freedom. Along with the long hours and hard work, they have the freedom to set their own hours, make decisions for their business, and decide on the best retirement plan for their own retirement and for their employees.

For its mid-year investing guide, Money consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for an updated analysis of the markets. Ernie articulated how even the slightest change in the Fed’s decision to raise interest rates in the future can have a profound impact on our economy and the pricing of financial assets.

Let’s face it. We all struggle with finances from time to time. Some people seem to be stuck in a perpetual hamster wheel where they run faster and faster but seem to get nowhere or even farther behind! Now that summer is approaching, there is no better time to get off that hamster wheel, grab a few books on personal finance, and make changes that will allow you to become more financially stable.

Most individuals think they don’t have the money for a perfectly manicured, elaborately decorated backyard. The good news is that there are many ways to spruce it up yourself, on your own time, and save a little money in the process. With a little elbow grease, there are endless ways you can add a personal touch to your yard. Big yard or small, there’s no reason why your lawn can’t be well-maintained and visually appealing. As an added bonus, investing in your lawn will likely bring you back a return on your investment should you decide to sell your house.

Working outside of a regular 9 to 5 job to make extra money is called a side-hustle, and many Americans add to their monthly income in this manner. A side hustle can become more than just a way to make extra money. It can become a great way to explore a current passion and rethink it into a full-time career move.

The age-old question of “Is it cheaper to eat out than cook at home?” really depends on several factors: the type of restaurant, how many are eating, and the cost to eat the same meal at home.

Drowning doesn’t just happen out on open water. It also can happen in the backyard of anyone with a pool. Having a pool comes with a huge responsibility: taking certain measures helps make sure that everyone stays safe.

The trade saga continued last week as both China and the U.S. indicated more tariffs are potentially on the way.  The new developments follow President Trump’s prior week decision to increase levies on $200 billion in Chinese goods from 10% to 25%.On Monday, May 13, Beijing retaliated by saying it will increase tariffs on $60 billion in U.S. goods while the U.S Trade Representative, Mr. Robert Lighthizer, announced it was laying the groundwork for a new round of potential tariffs on roughly $300 billion of Chinese imports.

Experts have found that kitchen remodeling is the second most common remodeling project, next to bathrooms. Considering that a kitchen is an essential component to any home, it’s no wonder that a remodeling job is a worthy investment. But what about the costs?

Choosing the right home insurance deductible is an important step when it comes to getting the most of a policy. Every homeowners insurance policy has a deductible, so it’s important that everyone involved in ownership has a say. But what is all considered when choosing the right deductible and what are some factors that play a role?

Ready to be your own boss? The service business industry is booming and there are hundreds of different ways to make money. There are six different types of service business groups: Personal, Sales and Marketing, Home, Technology, Children’s, and Event Services.

The U.S. financial markets were largely focused on one event over the past week: trade negotiations between the U.S. and China. President Trump heightened the consequences of these negotiations last Sunday when he announced that tariffs would be increased on Chinese imports late in the week, seemingly trying to increase the pressure on China to agree to a deal.

Experts have found that kitchen remodeling is the second most common remodeling project, next to bathrooms. Considering that a kitchen is an essential component to any home, it’s no wonder that a remodeling job is a worthy investment. But what about the costs?

As the U.S.-China trade conflict simmered, Reuters turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his insight on how those negotiations were being reflected in bond market activity. Jim noted that while things are generally more positive, uncertainty is still in the air.

Congratulations on your engagement! Engagements are always exciting; you’re celebrating a new chapter in life that brings in many changes. Big changes always come with new responsibilities, however. While it’s not about the money being spent, it’s going to be a factor in any wedding. All in all, getting married is expensive for any couple’s budget.

U.S. News & World Report consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to learn what investors should know about bond ratings. Jim urged investors do their homework with any bond purchase to ensure they are comfortable with the associated credit risk.

What do you get the mom who already has everything she needs? Something she really wants but would never buy for herself! Finding the perfect Mother’s Day gift requires more than sending flowers. Look at these 6 great Mother’s Day gift ideas for the mom who has everything.

In personal finance, experts advise to keep enough cash in savings to run your household for 6 months. This is true in business, too. In fact, having a substantial safety net can mean the difference between staying in business or going bankrupt. Here are some tips on how much cash should be kept in reserve for a business.

Following the stock market’s two percent pullback, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for insight on the magnitude of this selloff. Despite the substantial decline, Ernie reminded investors that the market had recovered nearly all it had lost in the fourth quarter.

Lease, borrow, finance, or pay cash. As a business owner, it can be time consuming to try and determine how to purchase new equipment. Whether it is office equipment, business supplies, or business equipment, there are certain pros and cons with each option. Let’s focus on business equipment.

As trade tensions between the U.S. and China re-ignite, USA Today turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his market analysis. Ernie explained that the market had likely priced in substantial progress towards resolving trade negotiations and thus fluctuated as a result of the latest tariff threats.

International equity markets declined sharply in early Monday trading. U.S. equity markets and oil futures also plunged, as U.S. Treasuries caught a safe haven bid.

Any time you purchase a home, there are many things that you have to consider. If you’re thinking about buying a second home or a summer home to spend your vacations at, there’ll be some things to consider that you don’t ordinarily think about when buying a house.

U.S. News & World Report consulted Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, about how single moms should prepare financially for their family’s future. Despite the demands that come with single parenting, Jen encouraged prioritizing retirement savings and maintaining an emergency fund.

Who isn’t interested in becoming a millionaire before 35? At first, it may seem like an impossible task, only for those who hit the lottery, receive an inheritance or have a high-paying job. This is simply not true. What it takes are the following principles to follow. Ready, set, save!

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, discusses the two-day Federal Open Market Committee (FOMC) meeting that concluded on May 1 as well as the post FOMC meeting press conference held by Chair Jerome Powell.  Jim noted a healthy labor market combined with strong first quarter economic growth was enough to partly overshadow the recent weakness in inflationary data.  Overall, the Federal Reserve left the federal funds target range unchanged between 2.25% and 2.50%.

Reputation is everything for any business. Big or small, it’s important to protect your brand. Many people utilize search engines—namely Google—to search for things. That’s not to mention the lightning speed of sites like Twitter. But all of this comes as a double edged sword.

Jim Donovan will focus on BMT’s expanding commercial and business banking services and oversee the C&I, Small Business and SBA lending groups. His appointment is part of BMT’s strategic plan to ensure the bank is well positioned to support its growth initiatives.

The renting vs buying debate has always included the same considerations: home price, length of time staying, interest rate, type of mortgage, growth rate, taxes, closing costs, HOA fees, maintenance, and other hidden costs.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Bloomberg about technological advancements designed to streamline the process of obtaining allocations of new debt. Jim noted that he is keeping a close eye on this development to see how it could improve the fixed income investment process.

When thinking of a grand opening for a new office, words such as excitement, curiosity, and interest pop into mind. With the perfect time for a grand opening a couple of weeks after opening the office, it is an ideal time to network with other local businesses and make mutually beneficial partnerships.

It’s an exciting time. Starting up a new business, finding the perfect location for a home office, and buying equipment are just a few of the to do items on an already overwhelming list. However, before diving into any hard-earned capital to pay for equipment, consider the following.

BMT Wealth Management’s market summary this week discusses how after a torrid start to the new year, stocks ended the holiday-shortened week essentially unchanged. Given the gains to-date, they likely deserved a breather. This week, earnings season kicks into a higher gear.

Things have changed with technology and the Internet. But with the continues growth of ecommerce, things have gotten a little bit more complicated to deal with. Nowadays, everyone has to have an online store. To not even have one social media page is detrimental to the sales that a business can have.

The Wall Street Journal consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about the best investment strategies for retirees amid a low interest rate environment. Jim noted the advantages of short-maturity corporate bonds and cautioned retirees against investments with greater potential for risk and price volatility, such as lower-rated, high-yield corporate bonds.

With the way technology rapidly develops across various landscapes like the internet, all a business can do is make sure that they are not left clueless when hit with a cyber problem. Here’s all of the reasons why cyber insurance has become a necessity for every business.

BMBC today reported net income of $10.7 million, or $0.53 diluted earnings per share for the three months ended March 31, 2019, as compared to net income of $17.1 million, or $0.84 diluted earnings per share, for the three months ended December 31, 2018, and $15.3 million, or $0.75 diluted earnings per share, for the three months ended March 31, 2018.

While the majority of American adults say they always try to save, most admit they don’t save enough. Even though a large percentage of individuals have the intentions of saving money, very few are saving the amount that they said they would.

CNBC.com turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his market analysis following the latest corporate earnings reports. Ernie pointed to the healthcare sector as an area investors should continue to watch closely amid political tensions and potential regulatory changes.

Love art? Dream of having an original Warhol on your wall, but can only afford to buy a can of Campbell’s soup? Try these decorating tips to bring art to your walls without breaking the bank.

With tax season almost over, many have already began the wait for their tax refund. Unfortunately, some who are waiting might have noticed a drop in their annual return. While a financial dip can lead to feelings of stress, it’s important to always put yourself first.

BMT Wealth Management’s market summary this week discusses the minutes from the Fed’s March 19-20 FOMC meeting as well as consumer price data that provided further evidence of low inflation. Last week, the S&P 500 Index rose +0.56% led by the financial sector while U.S. Treasury yields increased across the yield curve on investors’ more optimistic view towards the global economy.

Whether it is to make a career change or just “dip a toe” into the waters of making a little extra money, a weekend start-up business can be a perfect fit for anyone. Depending on a person’s particular talents, interests, likes or dislikes, here are some startup ideas to choose from for a weekend business that won’t break the bank.

There are two places to spend money when remodeling that will add instant value to a home: the kitchen and the bathroom. However, remodeling can quickly run into tens of thousands of dollars. Follow these kitchen remodeling tips to save money, increase equity, and get the most bang for your buck.

Ernie Cecilia, Senior Vice President and Chief Investment Officer at BMT Wealth Management, sits down to reflect on the fourth quarter of 2018 through the lens of the recently closed first quarter of 2019. He also looks ahead at the financial markets and how they affect investments. Ernie also provides analysis of our globally-connected economy with a look at the IMF’s global growth forecast and international manufacturing data, trade and tariffs, and consumer demand.

Installing a complete camera security system can run into thousands of dollars, not to mention the monthly fees associated with upkeep and monitoring. Instead, homeowners can use landscaping to beef up their home security and increase their curb appeal.

Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, spoke with Kiplinger about the advantages of municipal bond funds. Jim explained that individuals in a high marginal tax bracket are in a good position to benefit from tax free municipal bond income.

The fairly popular pop-up shop retail experience is not a new phenomenon. In fact, pop-up retail stores have been around for years. Halloween and holiday stores have been popping up in malls for decades. However, opening up a pop-up shop is more than just setting up a few tables and placing an open sign on the door. In today’s pop-up hot-spots, it takes forethought, planning, and an understanding of the clientele in order to run a successful store.

The BMT Wealth Management Spring 2019 Economic and Market Outlook highlights events in the first quarter, as well as providing our insights for the balance of the year. A key issue is the shift in focus to slower economic growth on a global basis and what that may portend for the financial markets. We explain the recent brief yield curve inversion and what it means for the pricing of financial assets. We close the piece with a brief “look ahead” as to the length of this economic recovery and the issue of risk.

Barron’s consulted Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to discuss how to build a bond ladder as a source of reliable income in retirement. While this strategy is particularly beneficial in uncertain interest rate environments, Jim explained that AAA-rated municipal bonds and corporate bonds are slightly riskier but can offer better yields than alternatives.

Taking a vacation can take a bite out of any savings account. Spending your line of credit wisely with budget friendly, yet enjoyable vacation spots can leave you feeling relaxed, refreshed, and in control of a tight budget. Try these top affordable vacation spots in the U.S. to keep you budget in check while you have fun on a vacation.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, provides commentary on the U.S. labor market report that was released this morning. In addition to explaining why labor market data is important, Jim reports on the market’s overall reaction to the report and what it tells us about the U.S. economy. Finally, he discusses the BMT investment team’s outlook.

For those looking to earn extra money, starting a seasonal business in spring is the perfect time of year! Seasonal businesses are growing in popularity because they can be started quickly, last for a few months, and leave the rest of the year for other passions. Consider some of these business ideas for spring.

Businesses often work with vendors to improve different aspects of operations.Third party exposure to secure systems and sensitive information poses a great risk to companies and their customers. Organizations commonly struggle to implement a wide approach to vendor management due to barriers such as lack of standardized and centralized processes, no formal single point of contact, no central repository, and limited adoption of vendor management policies.

Whether you decide to pay someone to do your taxes depends on your tolerance for crunching numbers and having at least a basic understanding of tax rules. If calculations are your thing, you’ll probably be fine on your own. Though you might want to keep a tax professional’s number on hand because you’ll probably have at least a few questions as you go along. Otherwise, you might want to pay someone to deal with your return.

In part two of our series on section 199A of the Tax Cuts and Jobs Act, BMT’s Jen Fox and attorney Tony Lopes turn their attention to real estate investments. They discuss qualifying for a 199A deduction in terms of operational rules, safe harbor requirements, business structures, record keeping practices, QBI and more. This episode is recommended listening for real estate investors in search of an educational primer in advance of sitting down with their accounting and legal advisors.

Experienced entrepreneurs know that business insurance is just as vital as a business plan, a marketing strategy, or product development in ensuring the longevity and success of a business. The protection can make or break what you’ve worked so hard for.

BMT Wealth Management’s market summary this week provides an outlook on global equity markets. We point out the recent performance of small cap stocks, its implications for the durability of this market recovery and the impact on sub-equity asset allocation strategy. We also provide an update to the yield curve inversion hysteria from last week.

In part one of this two-part podcast, BMT Wealth Management President Jen Fox sits down with attorney Tony Lopes to discuss section 199A – of provision 11011 – of the 2017 Tax Cuts and Jobs Act. They focus on the “nuts and bolts” of 199A, possible tax-time implications, considerations for entrepreneurs, and much more.

Siblings often have different personalities, and their places in the birth order may be partially responsible. We tend to associate first-born siblings with leadership and success and “the baby of the family” with rule-breaking and humor. While science doesn’t universally back up those assumptions, some experts have found that one’s place in the birth order can have a lasting impact on professional success.

The choice whether to rent or buy can be confusing, especially in today’s housing market. Fear of rising interest rates, lack of inventory, even where you want to live can factor into the choice of renting or taking on a mortgage.

As U.S.-China trade negotiations linger on, Bloomberg consulted Ernie Cecilia, Chief Investment Officer of Bryn Mawr Trust, to discuss how markets are reacting as a result. Ernie explained that negative news headlines, such as those covering the trade war, create uncertainty and, therefore, cause markets to fluctuate.

Bryn Mawr, Pa., March 28, 2018 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Mark Henderson, as Senior Vice President, Director of Capital Markets. Mr. Henderson reports to Neil Orechiwsky, Senior Vice President and Managing Director of Capital Markets.

Remote work arrangements have grown in popularity in recent years, propelled by feature-rich SAAS (software as a service) tools that allow employees, teams, and entire companies to communicate and work seamlessly, regardless of their physical location.

With television renovation shows’ popularity at an all-time high, it may seem tempting to renovate your home. However, it may actually be less expensive to tear down your home and start from scratch. Before deciding to renovate or rebuild, be aware of the 5 major differences for both before you decide.

For successful individuals and families, placing the ownership of assets into trusts and LLCs can be a useful tool for estate planning, privacy, tax, or other reasons. It is not uncommon for residential property to be transferred to one of these entities in order to take advantage of the protections afforded.

Given the recent yield curve inversion, NBCNews.com turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to learn what this means for investors. Jim explained that while the current inversion appears to be modest, the weakness of the global economy could impact U.S. markets.

Remote work arrangements have grown in popularity in recent years, propelled by feature-rich SAAS (software as a service) tools that allow employees, teams, and entire companies to communicate and work seamlessly, regardless of their physical location.

Jim Barnes, Senior Vice President and Director of Fixed Income at BMT Wealth Management, provides commentary on developments in the U.S. treasury market and the recent inversion of the U.S. treasury yield curve, the specific area between the 3-month U.S. treasury bill and the 10-year U.S. treasury note. He discusses last week’s events that contributed to the yield curve’s inversion, including the FOMC meeting on March 19-20, as well as disappointing manufacturing data in the eurozone and in the U.S. reported on March 22. Jim commented on the importance for investors to stay focused on their long-term objectives and to look beyond short-term volatility when positioning fixed income portfolios.

As geopolitical tensions continue to weigh on global markets, CNBC.com consulted Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his insight on potential implications to the U.S. economy. Ernie spoke to impacts on domestic hiring and wage growth in particular and explained why he is closely monitoring this data on behalf of clients.

In honor of Women’s History Month, Philadelphia Magazine asked Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, to share her career advice for the next generation of business leaders. Jen discussed how important it is for young women to live their core values in the workplace.

Financial Advisor Magazine turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his insight on the most advantageous times to leverage municipal bonds. Given the newly implemented limitations on state and local tax deductions, Jim explained that higher earning individuals are often better positioned to realize the most benefit from tax-free municipal bonds.

Many people think of an income tax refund as “found money”. So, they spend, and spend, and spend. But, if you think your tax refund as an investment tool, you could be setting yourself up for success.

BMT Wealth Management’s market summary this week provides a recap of equity and fixed income markets and mentions the upcoming Fed meeting. We point out that recent performance of stocks and bonds seem to reflect a divergent view in terms of the prospects for future economic growth, and we also illustrate how both types of investments performed in different interest rate environments.

MarketWatch turned to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, for his latest take on Treasury markets. Jim spoke specifically to how recent activity has fluctuated as a result of a slowdown in domestic manufacturing.

Lindsay Saling, Retail Strategy Team Lead at Bryn Mawr Trust, spoke with U.S. News & World Report about how to deposit checks via mobile applications. Lindsay outlined some best practices for mobile deposits, including familiarizing yourself with the deposit limits and ensuring you have confirmed all deposit details with your financial institution.

Ms. Sanchez will oversee HR strategic planning including: leadership development; employee training and engagement; inclusion and diversity; organizational development, culture and change management; compensation and benefits; and leadership and oversight for talent management.

Lindsay Saling, Retail Strategy Team Lead at Bryn Mawr Trust, spoke with U.S. News & World Report to share key benefits of overdraft protection for checking accounts. Lindsay highlighted advantages of Bryn Mawr Trust’s overdraft protection offering, including reduced transfer fees.

Death and taxes. We all deal with both at one time or another in our lives. However, while taxes are a reality for the under 30 crowd, thinking about a will often is not. But being without a will, no matter your age, can leave your family with a litany of problems if you die unexpectedly.

Bryn Mawr, Pa., March 12, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (together with the Corporation, “BMT”), announced today that Ms. Linda Sanchez has joined the organization as Senior Vice President, Chief Human Resources Officer. She will report to President and Chief Executive Officer Frank

BMT Wealth Management’s market summary highlights recent economic data indicating global economic growth is slowing down. Last week, economic growth in the Eurozone and China were both downgraded while the U.S. labor market added the fewest number of workers in over a year. U.S. Treasury yields dropped across the yield curve reflecting downward growth revisions.

Have you ever dreamed of starting your own business or being your own boss? Starting a business can seem like an impossible task. However, with some careful planning, important financial decisions, and a few steps to complete beforehand, you can make that dream a reality. Thanks to the Small Business Administration, you can kick off your own business in the next year with these 7 easy steps.

As Bryce Harper signs one of the biggest contracts in MLB history, the Philadelphia Business Journal turned to Jennifer Dempsey Fox, President of Wealth Management at Bryn Mawr Trust, for her advice on how he should manage his millions. Jennifer explained why the newest addition to the Philadelphia Phillies should consider his long-term goals before implementing an official financial plan. Additionally, Jennifer outlined financial considerations unique to professional athletes, such as planning around shorter than average career timelines and donating to philanthropic organizations.

Deciding between a limited liability company (LLC) and a sole proprietorship can be confusing for someone starting a new business. While there are pros and cons to each, if you are willing to put in the initial paperwork and fees, an LLC is the better way to go. Here’s why.

Are you a first time filer? Benjamin Franklin once quipped, “…in this world nothing can be said to be certain, except death and taxes.” Although this is funny, it is also true. Whether you work for a large corporation, as a subcontractor, or are self-employed, you will have to file taxes with the IRS.

What business owner wouldn’t love a celebrity sharing their love of your product or service on Facebook, Instagram or Twitter? Social media influencers can take your product from “not to hot” in a mere tweet. Celebrity endorsements have been around for decades. In the past, television personalities, movie stars, or others who were famous would persuade us to own this car or drink this soda. However, in today’s digital world, the niche market has taken on a whole new audience.

BMT Wealth Management’s market summary this week reviews recent macroeconomic data and provides an update on the equity and fixed income markets. We point out that economic fundamentals have been weakening modestly, while equity markets have been rallying, and emphasize the importance of maintaining proper portfolio diversification.

Everyone, at one time or another, yearns for a fresh, new bathroom. However, very few of us can afford the average bathroom remodel price of $10,275! In fact, for many of us, at any given time, the maximum amount of money that can be spent is around a hundred dollars.

Barron’s turned to Paul Gaudio, Wealth Planning Strategist at Bryn Mawr Trust’s Princeton-based Wealth Specialty Office, for advice on how pre-retirees can minimize the financial impact of a divorce. Paul stressed the importance of updating estate planning documents and evaluating health insurance alternatives, especially for those who were previously covered under a spouse’s plan.

Are you a first time filer? Benjamin Franklin once quipped, “…in this world nothing can be said to be certain, except death and taxes.” Although this is funny, it is also true. Whether you work for a large corporation, as a subcontractor, or are self-employed, you will have to file taxes with the IRS.

Nonprofit risk management is an essential component for a successful organization, and depending on the type of organization, there are a number of risk exposures involved. A successful nonprofit organization recognizes the risks involved and does everything they can to mitigate them. To help identify some of those risks, here is a list of four of the most common risks for nonprofits.

BMT Wealth Management’s market summary this week highlights the continuing rally on Wall Street, which for the S&P 500, has now fully reversed the losses incurred during the month of December. Inflationary readings were modest and support the growing belief that the Federal Reserve may be finished hiking rates in this cycle.

“This program is a result of our relationship with community organizations like Congreso, CEIBA, and PathWays who work every day with communities who are underserved when it comes to banking,” said Joseph Keefer, Executive Vice President. “Helping every household save and be prepared for an emergency creates stability and benefits the family, so it makes perfect sense to undertake a program like this that rewards people for saving.”

BMT Wealth Management’s market summary this week recaps movement in the equity and bond markets. While the S&P 500 index ended last week with a modest return, international equities didn’t fare as well. In fixed income, U.S. Treasury yields dropped across the yield curve as signs of slowing economic growth added a boost to U.S. government securities.

Bryn Mawr, Pa., Feb., 6, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (“BMT”), announced today a new $25 million pledge to fund loans to low- and moderate-income households in 2019. This commitment is the third annual pledge made by BMT, increasing year-over-year, due to the

Bryn Mawr, Pa., February 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT, the “Company”), announced today that Ms. Elizabeth Baran Wagner has joined the Company as Senior Vice President and Director of Institutional Wealth Management for BMT Wealth Management. Ms. Wagner reports directly to Jennifer Dempsey Fox, President of BMT Wealth Management.

BMT Wealth Management’s market summary this week provides an update on domestic and international equity markets. We look at recent labor market numbers, the S&P 500 earnings season thus far, and the impact of the Fed’s pause on interest rate hikes. As we move through 2019, we reiterate our call to build diversified portfolios and frequently revisit your investment objectives.

BMT Wealth Management’s market summary this week reviews recent data from the housing market and provides an update on the equity and fixed income markets. We look at various moving averages for the S&P 500 Index and provide a year-over-year results for this point in the fourth quarter 2018 earnings reporting season.

Jen Fox, President of BMT Wealth Management, met with Jim Barnes, Director of Fixed Income, to discuss credit developments in the bond market. Given the long period of low borrowing costs, many companies have increased the amount of debt on their balance sheets. Jim and Jen discussed the importance of credit analysis in the current economic environment as well as specific metrics the BMT Fixed Income Team utilizes when assessing the overall credit quality of an issuer.

Insuring a residential condominium unit can be complicated. If you own a condo and sustain damage, there are two insurance policies that will respond: your own condo unit owner’s policy (or HO-6), and the association master policy. In this week’s newsletter, we discuss what each policy covers and offer insight into selecting better-than-basic coverage options for your HO-6 policy.

Bryn Mawr, Pa., January 22, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Liam Brickley has joined the Company as Senior Vice President and Chief Credit Officer. Mr. Brickley reports directly to Kevin Tylus, President of Bryn Mawr Trust Banking.

BMBC today reported net income of $17.1 million, or $0.84 diluted earnings per share for the three months ended December 31, 2018, as compared to net income of $16.7 million, or $0.82 diluted earnings per share, for the three months ended September 30, 2018, and a net loss of $6.2 million, or ($0.35) diluted earnings per share, for the three months ended December 31, 2017.

BMT Wealth Management is pleased to present our Economic and Financial Market Outlook for 2019. In this edition, we offer a detailed overview of our expectations for the global economy as well as the global equity and fixed income markets. We believe the U.S. economy will continue to expand but at a decelerating pace relative to 2018. Equity and fixed income markets will likely face continued volatility given a higher interest rate environment and less accommodative monetary and fiscal policy. We hope you enjoy the pages that follow and look forward to keeping you informed in future updates.

Bryn Mawr, Pa., January 14, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”) and its subsidiary BMT Insurance Advisors, announced today that Kimberly Trubiano has joined the Company as President of BMT Insurance Advisors. Ms. Trubiano reports directly to Jennifer Dempsey Fox, President, Wealth Management.

Bryn Mawr, Pa., January 11, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (BMT), announced today that Mr. Emanuel Ball has joined the Company as Senior Vice President and Director of Facilities. Mr. Ball reports directly to Alison Eichert, Executive Vice President and Chief Operating Officer.

After four interest rate hikes in 2018, U.S. News & World Report spoke to Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, about why investors should reevaluate their fixed income allocations. Given the expected slowing economic growth, Jim suggested investors reassess the amount of credit exposure within portfolios and consider favoring higher quality issuers over weaker credits.

BMT Wealth Management’s market summary this week looks at Fed policy and current economic indicators. We analyze recent comments made after the December 2018 FOMC meeting and elsewhere, dive into surprise results from the December jobs and wages reports, offer an update on the bond market, and provide some guidance considering recent market volatility.

As investors analyzed the last jobs report of 2018, The Associated Press turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for his interpretation of the new data and how the markets reacted as a result.

Bryn Mawr, Pa., January 4, 2019 – Bryn Mawr Bank Corporation (NASDAQ: BMTC) (the “Corporation”), parent of The Bryn Mawr Trust Company (”BMT”), has announced the appointment of Adam Bonanno as Senior Vice President and Chief Technology Officer (CTO) of BMT. Mr. Bonanno reports directly to President and CEO Frank Leto.

Charges from holiday spending continue to appear on credit card statements long after the holiday season is over. As the debts continue to roll in, consumers are tasked with the need to come up with additional funds to make good on their financial obligations. Even if you consider yourself a wizard at personal finance, you might be having difficulty recovering from the holiday debts you’ve accumulated. Here are a few tips to help you get back on the right financial track quickly.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke to Bloomberg about market volatility at the start of 2019. Ernie explained how political noise can distract investors from the healthy state of the economy and reports of earnings growth.

BMT Wealth Management’s market summary this week kicks off the New Year by looking at both the final week of trading for 2018 and current conditions through the lens of established indicators. Are you looking for an answer to the “are we heading for a recession” question? Read on as we compare current credit, loan demand, and loan quality conditions to those of 2008. Also, check out our short list of fundamental issues affecting market behavior.

New Year’s resolutions are a popular way for many people to make a vow to themselves to make one or more significant changes in their life. Often, when the enthusiasm is high and any sense of failure seems remote, people start out at full steam.

U.S. News & World Report called upon Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, to highlight potential areas of opportunity for investors to consider in 2019. Ernie discussed what he will be keeping a close eye on in the New Year from sectors like technology, consumer discretionary, energy, telecommunications and aerospace.

Malicious hackers have been known to find creative ways to get your money. In a 2016 study, a Dutch expert found almost 6,000 online shopping sites that harbored data-stealing code – with the companies running those sites being none the wiser. Stolen data was covertly forwarded to foreign servers and exposed thousands of unsuspecting online shoppers.

Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, spoke with Bloomberg about BMT’s outlook on the markets after Treasury Secretary Steven Mnuchin dismissed rumors that Federal Reserve Chairman Jerome Powell would be removed from his position. While this news boosted U.S. futures in the short-term, Ernie explained that the markets are indicating a high possibility of a Fed policy error.

The holiday season is almost here, and now is the time to get ready. Time is already growing short, and there is still a lot to do. Hopefully you already have a fully funded holiday spending account in place, one that will allow you to purchase gifts for the ones you love. If not, a few simple spending offsets could fund your holidays. These financial compromises will help you enjoy a happy and financially healthy holiday season, so you can start the new year debt free.

Financial fraud is an important exposure for companies of all sizes, but the risk is especially acute for smaller organization that often have fewer controls than larger companies. Even small embezzlements can have acute financial effects on a small business, as well as morale problems resulting from a breach of trust.

With the Holiday season here, you’d better plan your shopping to avoid racking up burdensome credit card debt. Unless you want to be paying off holiday purchases through 2019 and beyond, you must employ diligent budgeting and savvy shopping to sidestep credit card debt.

Promises of special deals, rock-bottom pricing and the lowest price of the season are the fake enticements used by retailers to lure potential consumers to their door. While this is a sales practice employed all year long, the holiday season brings out the wildest and most outlandish promises. Some of these offers are legitimate while others are more hype than reality. Separating the good deal from the empty promise of low pricing is a skill anyone can acquire.

Thinking about or planning for a disaster – fire, theft, flood, etc. – is not pleasant. However, addressing those “what if” scenarios before they occur, when you are not under tremendous stress, will be comforting to you and all those affected. Having verifiable documentation of your ownership and worth of your valuables – works of art, jewelry, furniture, and recreational equipment – will help you navigate a potentially arduous claims process.

Building a solid credit history is essential for anyone who hopes to be able to own property, obtain favorable loan rates, and have more employment options. For young adults, the conundrum has always been that you need credit in order to build credit, and it is not always available when you’re first starting out. Building credit takes time, and it requires a conscious effort to manage it effectively. When building credit, it’s fairly easy to take a step forward and then have one small mistake put you three steps back. The fastest way to build credit is to always be aware of the five categories of credit scoring and conduct your credit activities accordingly.

As volatility continues in the U.S. markets, Bloomberg called upon Jim Barnes, Director of Fixed Income at Bryn Mawr Trust, to explain recent bond and equity market activity. According to Jim, investors are focused on the upcoming Federal Reserve meeting next week as well as ongoing developments around trade negotiations.

BMT Wealth Management’s market summary this week takes a year-over-year look at the market and provides insights regarding the shape of the yield curve. It looks at what has been moving the S&P 500 Index (hint: it may not be fundamentals), provides a history lesson related to long-term and short-term interest rates, and takes a peek at the data the markets and BMT Wealth Management will be monitoring.

As U.S. markets hit correction territory at year-end, Bloomberg turned to Ernie Cecilia, Chief Investment Officer at Bryn Mawr Trust, for expert insight. Ernie put the latest drawback in perspective and explained that the market is repricing stocks to normalize their growth rates.

BMT Wealth Management’s market summary this week looks at recently released economic data and the effect of comments from world leaders. It reviews November 28 comments by Federal Research Chairman Jerome Powell regarding the performance of the Consumer Discretionary and Information Technology sectors, trends in the bond market, and initial analysis of comments from the G-20 Summit.

BMT employees celebrated being part of the BMT Men’s Health Team by wearing a team jersey to increase awareness of men’s health issues, to promote preventative health services, and to encourage a healthy lifestyle. Employees grew beards throughout the month as an additional show of support. Further, BMT has committed to making a $5,000 donation to the Movember Foundation, whose action plan is “Connecting clinicians and researchers from around the world to accelerate health outcomes for men living with prostate and testicular cancer.”

In part two of our podcast on the digital afterlife, Jen Fox, President of BMT Wealth Management, talks to Lee Poskanzer, CEO of Directive Communication Systems, about preparing estates for their digital afterlife. Their discussion focuses on issues relevant to professional advisors – estate lawyers, estate planners, and others – who are counseling clients on how to protect their digital assets after their death.

Our guest Lee Poskanzer, CEO of Directive Communication Systems, speaks with Jen Fox, President of BMT Wealth Management, about preparing for your digital afterlife. With a series of anecdotes and what-if scenarios, Jen and Lee delve into best practices for setting up your estate so that your final wishes for your digital assets – photos, fintech accounts, gaming profiles, etc. – are clearly defined. This is part one of a two-part podcast.

BMT Wealth Management’s market summary this week puts equity market corrections in historical perspective. It also reviews U.S. economic data, the recent performance of domestic equities by sector, investors’ expectations of the Fed’s future policy actions, activity in the fixed income markets, and how BMT’s investment process has held up during the recent volatile period.