Social Security is much more than a retirement program. Most Americans are protected by the Old-Age, Survivors, and Disability Insurance (OASDI) program — the official name of Social Security — from birth through old age. Here are four times in your life when Social Security might matter to you or the people you care about. […]
Social Security May Offer You a Lifetime of Protection Read More »
In the past two years, Congress has passed two pieces of legislation that have made an impact on individuals. The first was the “Tax Cuts and Jobs Act”, the largest tax overhaul of the tax code in 30 years. The second, more recently passed (and effective January 1st, 2020) was the “Setting Every Community Up
The SECURE Act – What You Need to Know and How It Changes Your Retirement Plans Read More »
Want to know a secret? The two keys to 401k investment and retirement success* are: Save and invest aggressively when young Manage risk well in allocations as you approach and enter retirement I know those are oversimplified but they are accurate. Knowing this, when was the last time you evaluated how much you’re saving or
Two Keys to 401(k) and Retirement Investment Planning Success Read More »
A frequently asked question in our office is related to the subject of Social Security income and whether it will continue in its current form, be changed or be there at all in the future. Since Social Security checks are many people’s primary source of retirement income, what people are really asking is how their
Rethinking Retirement Income Read More »
Today is Veterans Day and we want to express our gratitude to all the brave men and women who have served in the U. S. military. Thank you for your years of service.
We Salute Our Military Veterans! Read More »
Clients hear a lot about different types of financial risks they are exposed to when they plan for retirement; however, when you boil it all down they really care about only one risk and that is the risk of loss. Investors have lost 40% of their portfolio value since 2000… twice! One loss alone requires
Automated Financial Advice – Robo or No Robo? Read More »
This is the second of two posts on how avoiding investment disasters is no accident. It takes careful and thoughtful planning. In our previous post (here) we discussed how a static risk management approach supplies too little protection in bear markets and too much in the bull markets. In fact, a good analogy is to
Avoiding Investment Disasters: It’s No Accident – Part 2 Read More »
It has been some time since I stepped away from a strictly financial planning topic and pulled back the curtain to talk about something more personal. The goal of this e-newsletter every month is, after all, not about me but about how I can help you find Clear Direction for your Retirement. However, with Thanksgiving
Reflections on Being Thankful Read More »
Change, as annoying as it can be, is inevitable and so we must be proactive in dealing with it. This is especially true as it pertains to our finances. For most investors, qualified tax-deferred accounts (IRA’s, 401k’s, etc) are where the majority of their retirement assets are held. In that regard, there have been recent
IRA Planning – What Now with New Tax Laws? Read More »
In Part 1 of The Five Critical Puzzle Pieces of Your Retirement Plan (here), we detailed how putting your retirement plan together is like fitting together or coordinating the pieces of a puzzle…some of which are constantly changing. We looked at the first of the five puzzle pieces, the Income Plan. In this post, we’ll
The Five Critical Puzzle Pieces of Your Retirement Plan – Part 2* Read More »
