Welcome to the⁠⁠⁠⁠⁠⁠⁠⁠  @plannedsolutions  ⁠⁠⁠⁠⁠⁠Incorporated Podcast. In this episode, we discuss how the stock market rallies this year and last were led by a relatively small number of large, growth, tech companies in the first half of the year. Then in the second half the market rally broadened as small and mid-sized companies, as well as value stocks, took the lead fueled by improving fundamentals and better valuations, especially when compared to the stocks that had large gains that exceeded their sales, earnings, andcash flow growth. Also, Social Security benefits are subject to federal income taxation depending on the taxpayer’s total income. Low-income taxpayers may pay very little, or no tax, on their Social Security income. As the reportable income increases, more of the Social Security income will become taxable,causing the taxpayer to pay a higher effective tax rate than would be expected based on their federal tax bracket. Black Friday, historically the nation’s biggest shopping day, has come and gone. Many retailers have a whole bag of tricks that they use to get sales and, in some cases, to increase the sales prices over other options. Therefore, it is important have a budget for holiday spending, a strategy forcomparing prices, and the patience to avoid the marketing that retailers use to get customers to buy now and think later. Plus a look at the Planned Solutions Incorporated Office Bulletin Board - With the holidays quickly approaching, we want to make sure you are aware of our holidayschedule for this year.November 28th ClosedNovember 29th ClosedDecember 24th ClosedDecember 25th ClosedJanuary 1st Closed Given the above holiday schedule and the holiday schedule of many of the companies we work with, we ask that any forms or other requests that must be completed before year-end be submitted as soon as possible. If any paperwork or requests come in close to the end of the year, we will try to process the forms or fulfill the requests but cannot guarantee that they will be completed in time due to factors beyond our control. To subscribe to the Personal Finance Review (the written form of all the content we discuss on the podcast) please e-mail ⁠⁠⁠⁠⁠⁠⁠⁠[email protected]⁠⁠⁠⁠⁠⁠⁠ ⁠ The Personal Finance Review is published and distributed biweekly by Planned Solutions, Inc. for informational purposes only. Please seek the advice of a qualified financial planner before taking any action. Chase Armer's book- Financial Planning Insights is now available at:⁠⁠⁠⁠⁠⁠⁠⁠⁠https://www.amazon.com/Financial-Planning-Insights-Decades-Planner/dp/1098306279?ref_=ast_author_mpb⁠⁠⁠⁠⁠⁠⁠⁠ Intro What are the FACTS as the Stock Market Rally Broadens What YOU need to know about Social Security Taxation Are YOU saving money during Black Friday Shopping Bulletin Board Planned Solutions, Inc. ⁠⁠⁠⁠⁠⁠https://www.plannedsolutions.com/⁠⁠⁠