Business
Are Your Investment Goals Unrealistic? Goldstone Financial Group Weighs In

How much should American retirees temper their investment expectations against market fluctuations?
If you had posed the question this time last year, you probably would have received a flurry of cautiously optimistic responses as investors looked forward to what they had every reason to believe would be another bull market year. Optimism was rampant — and exciting for investors and retirees, who saw the climbing Dow as a sign that they would be able to live out their sunset years with comfortably-padded retirement accounts.
“Nobody in the financial sector wanted to bring people down with dire predictions when the market appeared to be doing so well,” Anthony Pellegrino, the owner and co-founder at Goldstone Financial Group, noted of the mentality at the time. “Investors get fired up when they see reports of record highs.”
“I remember in 2015, there was major pushback from financial professionals when experts at Research Affiliates analyzed financial data from the preceding century and reported that it would be ‘optimistic’ to plan for even a five percent long-term return on a traditional portfolio. People were shocked — and a lot of them rejected those projections as being overly cautionary when the market remained strong.”
And at the close of 2019, the market’s strength appeared to be on-track to persist. But within the first few weeks of the new year, the Covid-19 pandemic upended the global economy and caused the Dow to plummet. Ten months have since passed, and both have begun to recover.
“It’s not so much about good vs. bad news,” Ryan Detrick, senior market strategist at LPL Financial, recently told USA Today. “The economy is still nowhere near its output prior to the pandemic. But things are getting better.”
However, amid that improvement, those saving for retirement have been forced to question whether the need to revise their expectations for their accounts. The pandemic has demonstrated the dangers of assuming that good times will continue indefinitely — but how pessimistic should investors be about the future?
“This conversation always reminds me of the letter that Warren Buffett sent to his shareholders in early 2008,” Goldstone Financial Group’s Anthony Pellegrino says of expectation-setting. “Back then, he told people to check their perceptions of Dow growth and warned about the dangers of taking those increases out of context. That advice remains just as relevant — if not more so — today.”
For context, here’s the passage that Pellegrino references from Buffet’s 2008 letter:
“During the 20th Century, the Dow advanced from 66 to 11,497. This gain, though it appears huge, shrinks to 5.3% when compounded annually […] For investors to merely match that 5.3% market-value gain, the Dow — recently below 13,000 — would need to close at about 2,000,000 on December 31, 2099 […] I should mention that people who expect to earn 10% annually from equities during this century — envisioning that 2% of that will come from dividends and 8% from price appreciation — are implicitly forecasting a level of about 24,000,000 on the Dow by 2100.”
“If your adviser talks to you about double-digit returns from equities,” Buffett concluded, “Explain this math to him.”
When taken into consideration alongside the uncertainty posed by Covid-19, Buffett’s math provides investors with ample reason to be careful. But what measures can aspiring retirees take to protect themselves and their accounts?
Goldstone Financial Group’s Anthony Pellegrino points to three main strategies — consulting a fiduciary advisor, exploring IRA opportunities, and moving away from a buy-and-hold norm.
Consulting a Fiduciary
Are you intimidated by market fluctuations and want a professional’s help in navigating them? A fiduciary advisor can help.
“I cannot stress the importance of finding a fiduciary advisor enough,” Pellegrino emphasizes. “If you opt for a non-fiduciary professional, well, I’ll borrow another Buffett quote — ‘beware the glib helper who fills your head with fantasies while he fills his pockets with fees.’”
A fiduciary advisor is a financial professional who is legally obligated to act in their client’s best interests. They can only purchase and sell investments that they believe are well-suited to their clients’ needs and goals, and they cannot base their decisions on whether their suggested investments would provide the best kickbacks.
As writers for NerdWallet summarize: “Fiduciaries are held to a significant level of trust with their clients and must avoid conflicts of interest. If your financial advisor does not have a fiduciary duty to you, they may be able to recommend investments or products that pay them a bigger commission over ones that would be the best fit for you, which could cost you more.”
Every single investment advisor employed at Goldstone Financial Group is a certified fiduciary advisor. The logic behind this policy is simple.
“We want our clients to get the best possible advice,” Anthony Pellegrino says. “Having advisors who are held to a fiduciary standard ensures that they receive exactly that.”
Explore IRA Opportunities
Think you can’t touch the money in your 401(k) until you retire? Think again! Pellegrino and the fiduciary advisors at Goldstone Financial Group often suggest that their clients withdraw a portion of their account balance and roll it over into an IRA account. The benefits of this tactic, Pellegrino says, include increased flexibility with investments.
“A nontaxable rollover to an IRA would give you more freedom to work with your financial advisor in choosing investments,” Pellegrino explains. “That said, you should always consult with your tax professional about potential tax implications before embarking on this strategy.”
Rethink Buy-and-Hold
Making investments and holding onto them indefinitely isn’t always the best strategy for long-term growth.
“You may want to opt for tactical managed asset accounts that will allow you to capture and participate in the stock market’s upside and then, when the market declines, shift your assets to cash,” Goldstone Financial Group’s Anthony Pellegrino suggests. “Sure, you may still experience a loss — but typically, you’ll lose less than you would with a buy-and hold-strategy.”
At the end of the day, Pellegrino offers one piece of advice that supersedes all others.
“Don’t go through this alone. Your situation is unique, and the solutions you need will be equally so. Consult with a fiduciary advisor to see how your expectations and plans stack up against market conditions.”
Business
What to Look for in an Enterprise Webcasting Solution

The modern workplace doesn’t stand still. Teams are global, employees are remote, and companies must communicate faster and at scale. That’s why enterprise webcasting has gone from a niche tool to an essential part of internal communication strategies.
Reliability is the starting point when broadcasting to hundreds or thousands of employees, stakeholders, or partners. The platform you choose needs to deliver more than a stable video feed; it must offer security, accessibility, scalability, and real engagement.
For enterprises navigating this decision, here’s what to consider before committing to a webcasting platform.
Scale and Performance Matter More Than You Think
It’s one thing to host a video call with your immediate team. It’s another to run a high-stakes webcast for your entire global workforce. Enterprise webcasting means reaching large, often geographically dispersed audiences, sometimes tens of thousands of people at once. And when that’s the case, performance isn’t negotiable.
Your platform should offer proven scalability with minimal lag, buffering, or outage risk. Many organizations underestimate the bandwidth and technical infrastructure needed to deliver seamless webcasting at scale. Look for solutions that utilize global content delivery networks (CDNs) and redundant systems to guarantee smooth streaming, regardless of your viewers’ location.
The reality is, your message only lands if the technology holds up under pressure.
Security Isn’t Optional
In a world of growing cyber risks and data privacy concerns, security must be front and center, especially for enterprise webcasts. Not every message is meant for public ears, from internal town halls to sensitive investor briefings.
Leading webcasting platforms provide enterprise-grade security features like encrypted streams, password protection, login authentication, and customizable access controls. Depending on your industry, you may also need to meet specific regulatory requirements for data protection and compliance.
Ultimately, your webcasting solution should provide peace of mind, knowing that confidential information stays where it belongs.
User Experience Makes or Breaks Engagement
Let’s face it: no one wants to wrestle with clunky software minutes before a big company update. The best webcasting platforms make life easy for both presenters and attendees.
Intuitive interfaces and simplified workflows reduce stress and help presenters focus on delivering the message. The process should be frictionless for attendees, with one-click access, mobile compatibility, and no need for complicated installations.
But accessibility isn’t just technical, it’s also about inclusivity. Your platform should offer features like captions, translations, or on-demand playback options to ensure your workforce can engage with the content.
Because if people can’t easily join or follow along, your webcast risks becoming background noise.
Engagement is More Than Just Showing Up
In enterprise settings, communication can’t be one-way. True engagement requires interaction.
Modern webcasting solutions offer features like real-time Q&A, live polls, and chat functions to turn passive viewers into active participants. These elements keep audiences focused and create opportunities for meaningful feedback.
Especially for company-wide meetings or virtual events covering important updates, giving employees a voice makes the experience feel collaborative, not just another broadcast.
Data and Insights Drive Improvement
One of the most overlooked aspects of enterprise webcasting is analytics. But without data, it’s impossible to measure success or spot opportunities for improvement.
Look for platforms that provide detailed reporting, including attendance metrics, engagement rates, audience locations, and performance benchmarks. Over time, these insights help refine your communication strategy, adjusting formats, reworking content, or targeting specific groups with follow-up resources.
The more visibility you have into how people interact with your webcasts, the better equipped you are to make those events impactful.
Flexibility for Different Event Types
Not all webcasts are created equal. Some are formal, high-production events with large audiences. Others are more casual, interactive sessions for smaller groups.
The platform you choose should give you the flexibility to manage both scenarios. Whether you’re hosting a polished executive briefing, a technical product demonstration, or a virtual town hall, the tools should scale to fit your needs, without requiring entirely different systems or workflows.
Many providers also offer managed services for high-profile events, giving you access to technical experts who handle the backend so your team can focus on the message.
Final Thoughts
Webcasting has become a critical tool for modern businesses, but choosing the right platform requires more than just comparing price tags. It’s about finding a solution that delivers reliability, security, engagement, and scalability while making the process simple for both your team and your audience.
With enterprise webcasting, companies can ensure their most important messages are delivered securely and at scale, whether to employees down the hall or stakeholders around the globe.
-
Tech4 years ago
Effuel Reviews (2021) – Effuel ECO OBD2 Saves Fuel, and Reduce Gas Cost? Effuel Customer Reviews
-
Tech6 years ago
Bosch Power Tools India Launches ‘Cordless Matlab Bosch’ Campaign to Demonstrate the Power of Cordless
-
Lifestyle6 years ago
Catholic Cases App brings Church’s Moral Teachings to Androids and iPhones
-
Lifestyle5 years ago
East Side Hype x Billionaire Boys Club. Hottest New Streetwear Releases in Utah.
-
Tech7 years ago
Cloud Buyers & Investors to Profit in the Future
-
Lifestyle5 years ago
The Midas of Cosmetic Dermatology: Dr. Simon Ourian
-
Health6 years ago
CBDistillery Review: Is it a scam?
-
Entertainment6 years ago
Avengers Endgame now Available on 123Movies for Download & Streaming for Free