This week S&P 500 firms are expected to post a 4.6% decline over last year. It may be a tough season on Wall Street, as Jeff Cox reports for CNBC. In fact, the S&P has climbed less than 2% since January of 2018. Is the trend likely to change? Liz Ann Sonders and her team at Schwab offer analysis and a forecast. If you receive Medicare, it’s time to review your plan. We’re entering the Fall Annual Election Period, when you can change your Part D coverage if necessary. What factors should you consider? Danielle K. Roberts summarizes what you need to know.

Wall Street Faces A Tough Earnings Season: “Caution Probably Makes Sense Right Now.” — Companies are now heading into the third-quarter earnings reporting period. They face profits weighed down by tariffs, economic weakness and geopolitical tumult that seems unlikely to go away anytime soon. And that’s despite the recent good news that the U.S. and China have reached at least the first phase of a trade agreement. Read more…

Schwab Market Perspective: Deja Vu — Volatility spiked at the beginning of October and U.S. stocks have continued to make limited headway. A meaningful breakout to the upside has been mired by the short-lived reprieve from trade worries. Liz Ann Sonders and her team at Schwab chart the progress of the markets. Read more…

The Medicare Fall Annual Election Period Is Here — It can be a confusing time but an pivotal one for those who receive Medicare. Danielle K. Roberts advises you how to evaluate your current plan and how to proceed if you need to make a change. Read more…

John R. Day, Bill Ennis, Stephanie Hall, and Matt Heller

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