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Retirement

Retirement: Proceed With Caution Before Relying on General Rules

November 7, 2016
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When investing for retirement, you’re likely to hear a lot of well-meaning guidance from family, friends, and others offering advice–even the media. As you weigh the potential benefits of any commonly cited investment rules, consider that most are designed for the average situation, which means they may be wrong as often as they’re right. Although…

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Social Security cost-of-living adjustment expected to be lowest ever

October 31, 2016
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Advisers, get your aspirin ready. When the Social Security cost-of-living-adjustment for 2017 is officially announced next week, it is expected to be 0.3% — the lowest annual increase on record. After no annual cost of living adjustment this year, Social Security benefits are expected to increase by 0.3% in 2017, according to a new forecast…

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Social Security's looming $32 trillion shortfall

August 10, 2016
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Originally posted on CNBC – we thought this was a very relevant topic. —————————————————————- You can look at the financial health of Social Security in many ways. The official version, found in the Social Security and Medicare Boards of Trustees’ annual report, is this: Social Security’s total income is projected to exceed its total cost…

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10 Years and Counting: Points to Consider as You Approach Retirement

July 18, 2016
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If you’re a decade or so away from retirement, you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend more time with friends and family? Should you consider relocating? Will you continue to work…

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Setting and Targeting Investment Goals

July 4, 2016
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Go out into your yard and dig a big hole. Every month, throw $50 into it, but don’t take any money out until you’re ready to buy a house, send your child to college, or retire. It sounds a little crazy, doesn’t it? But that’s what investing without setting clear-cut goals is like. If you’re…

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Balancing Work and Family

June 20, 2016
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At one time, the typical American family looked like this: a breadwinner father who commuted a short distance to work and earned a very good living, and a stay-at-home mother who took care of the kids and family home with aplomb. Life seemed easy and manageable, with plenty of time for family meals, parent relaxation,…

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True or False: You Are a Retirement Savings Plan Expert

April 11, 2016
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How much do you really know about your employer-sponsored retirement savings plan? If you’re like many people, you have many ideas about how your plan works, which may or may not be entirely accurate. To gauge your knowledge, take this brief quiz: Are the following statements true or false? Even though I’m young, I should…

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Did you know?

March 16, 2016
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I was recently taking some continuing education and came upon this interesting bit of information.  Citing is directly from Reged.com California continuing education requirement. —————————- The use of annuities gained popularity in the 1930s. This interest grew as a result of a decrease in interest rates and a desire for individuals to ensure a safe…

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A Retirement Crisis?

March 15, 2016
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I saw this very interesting article on CNBC today called, “America’s looming retirement savings crisis“. It certainly is true for the masses that savings have and largely are lagging for most retirees – especially considering how many boomers we should see retiring in the next several years. The old adage still holds true – save…

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