Phase 3 In The News

Crafting a Solid Future: How Every Long-Term Care Financial Plan Begins - The Waterlily Blog, August 25, 2023

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


John Bever on Chicago's Afternoon news Wintrust Business Hour with John Williams

Noon Business Hour Interviews with John Bever.

Jim Uren on The Morning Drive with Steve Cochran

02-23-2024 - Good News Economy

01-22-2024 - Inflation, Interest Rates & Investing

10-13-2023 - Investing for the end of 2023 and into the 4th year of the Presidential Cycle

09-18-2023 - Money Does Equal a Point

08-25-2023 - Still Looking out for a Recession

08-07-2023 - Empty Nest, Full Wallet: How parents can maximize finances when their kids fly the coop

07-28-2023 - Could this Bull Be Getting Tired?

06-09-2023 - WGN Wintrust Business Hour: Market Update with John Bever

05-12-2023 - Are We Addicted To Not Balancing Our Budget?

04-14-2023 - Uncertainty drives the current market, but volatility drives opportunity. 
Find out what John thinks is ahead for interest rates and the possible recession.

03-17-2023 - Impact of SVB on The Market

02-17-2023 - Market Overview & 5-Year Planning

01-13-2023 - WGN Wintrust Business Hour: Market Update with John Bever

12-09-2022 - WGN Wintrust Business Lunch: December's Market Prediction & the Future of Crypto

11-08-2022 - WGN: Wintrust Business Lunch - The Market Rollercoaster

10-14-2022 - WGN Wintrust Business Lunch with John Williams: The Elephant In The Room - INFLATION

9-23-2022 - WGN Wintrust Business Lunch with John Williams: Reminiscing about Inflation with Steve & Johnnie Old Time Chicago Radio Personalities

8-15-2022 - WLS Morning Drive with Steve Cochran: Jim Uren Discusses Widowed Spouses

6-10-2022 - WGN Wintrust Business Lunch - The Fed is on the Move: Weather This Market Storm.

5-13-2022 - WGN Wintrust Business Hour: What can we expect from this inflationary cycle?

4-15-2022 - WGN Wintrust Business Lunch - Balance Sheet Runoff

3-14-2022 - WGN Wintrust Business Hour: Pain at the Pump, Inflation & Fed Policy...What's it all mean for me?

2-24-2022 - WGN Wintrust Business Hour with John Williams - Is it Russia or the New Fed Policy?

2-01-2022 - WGN Business Hour with John Williams - Market Correction Update

1-13-2022 - Wintrust Business Lunch

12-31-2021 - Year End Tax Planning Includes Year End Market Review

12-07-2021 - Build Back Better

10-22-2021 - Double-Topped

9-20-2021 - Chinese Real Estate & Your 401(k)

8-13-2021 - Fed Taper

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




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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

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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.