Phase 3 In The News

What's Next For The Stock Market? A Financial Planner Breaks Things Down - International Business Times, March 7, 2021

Mission Trip Turns into Mentoring and Job Offer - Patch, October 9, 2020

Are you missing out on these retirement and tax reduction opportunities? - Daily Herald Business Ledger, November 12, 2020 

Small Business Q&A: Jonathan Henkels, Phase 3 Advisory Services Ltd. in Buffalo Grove - Daily Herald, August 17, 2020

Key Steps You Must Take When Laid Off or Furloughed - Daily Herald Business Ledger, July 14, 2020

Wealth manager offers tips for small businesses, those saving for retirement - The Center Square, May 7, 2020

Wealth manager says Illinoisans should evaluate real estate investments heading into new year - The Center Square, December 27, 2019

Ready to retire? Two major obstacles need to be cleared – Daily Herald Business Ledger November 7, 2019

Can Your Business Survive Without You or Your Partner? – Daily Herald Business Ledger, July 19, 2019

Best Ways to Manage Life Insurance Proceeds After a Spouse Dies –, May 28, 2019

Three Thieves Stealing From Your Business - Daily Herald Business Ledger, January 16, 2019

Democrats Take Aim at State’s Business Climate – Alton Daily News (WBGZ Radio – Illinois Radio Network) , December 7, 2018

Tax Reform 2.0 Features Permanent Individual Income Tax Cuts and Streamlined Savings - Illinois News Network, July 30, 2018

Illinois’ Pension Buyout Plan Savings Depend on Volunteers - Illinois News Network, June 8, 2018

5 Wealth Management Tips for Baby Boomer - Daily Herald Business Ledger, November 6, 2018

Think Divorce is Miserable? - The Slate Magazine, March 18, 2016


Noon Business Hour Interviews with John Bever.


John Bever on Chicago's Afternoon News with Steve Bertrand.

6-25-2021 - What’s driving the positive outlook on Wall Street?

6-14-2021 - What are Meme stocks and should you invest?

5-14-2021 - Market volatility shouldn't be feared

4-16-2021 - What's going on in the market? Hint: Spring is here.

7-6-2020 - Fireworks in the Market Create a Good Time to Sell

4-27-2020 - Good Coronavirus News Pushes Market Higher but Trouble Could Lie Ahead

4-8-2020 - MARKET RESISTANCE - Possible Test of the Lows

1-28-2020 - MARKET RALLY - Take Profits and Wait to Buy?

11-5-2019 - MARKET AT NEW HIGHS - Where to Invest Now

10-1-2019 - HOW TO MANAGE UNCERTAINTY - As the ISM Signals Contraction

9-19-2019 - INVESTING FOR INCOME - $4.7 Trillion Balance Sheet

8-26-2019 - GENERAL MARKETS – Uncertainty and Tweets Move Market

7-3-2019 - THE FUTURE OF INTEREST RATES – Market Rally, Opportunity to Sell



11-19-2018 - DOW DROPS 400 POINTS & APPLE TUMBLES – Dollar Cost Average & Watch for S&P 2590

10-10-2018 - STOCKS ARE VULNERABLE TO A DECLINE – It’s October, Take Some Profits

8-21-2018 - LONGEST BULL RUN EVER – Not Over Yet, But Raise Some Cash and Diversify

7-17-2018 - ECONOMY IS JUST RIGHT – Market is Responding to Fundamentals

Phase 3 Advisory Services YouTube Channel




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Disclosure: Investing involves risk. Loss, including loss of principal may occur. No investment strategy can guarantee positive results, nor can it protect against loss in periods of declining markets. Past performance does not guarantee future results.

Dollar-cost averaging does not ensure a profit or protect against a loss in declining markets. This investment strategy involves continuous investment in securities, regardless of fluctuating price levels. An investor should consider his/her financial ability to continue purchases in periods of low or fluctuating price levels

Mutual funds are sold by prospectus only. Before investing, investors should carefully consider the investment objectives, risks, charges and expenses of a mutual fund. The fund prospectus provides this and other important information. Please contact your representative or the Company to obtain a prospectus. Please read the prospectus carefully before investing or sending money. Investment return and principal value will fluctuate with changes in market conditions such that shares may be worth more or less than original cost when redeemed.

Small caps also experience higher volatility than larger firms, so the opportunities of small caps are best suited to investors who are willing to accept more risk in exchange for higher potential gains. The securities of smaller, less well-known companies can be more volatile than those of larger companies.

In general, the bond market is volatile as prices rise when interest rates fall and vice versa. This effect is usually pronounced for longer-term securities. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss. Bonds are also subject to other types of risks such as call, credit, liquidity, interest rate, and general market risks.

A developing or emerging market is an economy that is growing and has developing industries that are engaging with global markets. Investments in emerging markets are typically considered riskier than investments in developed economies like the U.S. and Europe. Emerging markets mutual funds offer the opportunity to participate in developing economies while limiting some risk through diversification.

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Securities offered through Royal Alliance Associates, Inc., member FINRA/SIPC. Insurance and investment advisory services offered through Phase 3 Advisory Services Ltd., a registered investment advisor not affiliated with Royal Alliance.

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