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Food for thought


Two Retirement Planning Approaches: Safety vs. Probability

January 21, 2020

According to Merrill, four of the most common risks to your retirement strategy are:1 A significant market drop shortly before or early in your retirement Inflation reducing your spending power over time Unexpected medical and/or long-term care expenses Outliving your assets If you are nearing retirement, it might be time to review your current financial…

The Importance of Women Achieving Financial Confidence

December 17, 2019

The Importance of Women Achieving Financial Confidence Married or single, women are finding that taking an active role in their financial futures is critical. About 80% of married women outlive their husbands, and nearly half of all widows say they wish they’d been more involved in managing their finances when their spouse was alive.1 Whether…

Tax Updates and Reminders

December 10, 2019

As we head toward the end of the year, consider maxing out your contributions on tax-advantaged accounts to help manage your 2019 return. While some accounts, such as an IRA or Health Savings Account (HSA), allow you to continue making contributions up until April 15, 2020, most payroll-deduction plans such as a 401(k) will stop…

Pharmaceutical Roundup: Lawsuits, Legislation and Growth Opportunities

December 3, 2019

Pharmaceutical Roundup: Lawsuits, Legislation and Growth Opportunities Drug manufacturers and distributors have been in the news lately. Here’s a roundup of some of the biggest headlines: The Opioid Crisis In October of this year, three of the biggest U.S. drug distributors and a drug manufacturer reached a $260 million settlement with two counties in Ohio…

Year-End Tax Considerations

November 19, 2019

Now that we’re in the fourth quarter, it’s time to think about what you can do to help minimize your liabilities for the 2019 tax season and position finances for next year. The following is a sample of the usual methods. However, if you’d like us to take a more personalized, comprehensive approach, we’d be…

Medicare Update

November 12, 2019

Some hard-working, taxpaying Americans get angry when they hear Social Security called an entitlement program, perhaps because the word “entitlement” has come to have a connotation with welfare programs. The reality is that Social Security is, by definition, an entitlement program, along with Medicare, unemployment insurance and worker’s compensation. These mandatory programs are funded by…

The Economics of Immigration

November 5, 2019

The Wharton School of Business at the University of Pennsylvania has conducted extensive studies on the effects of immigration on America’s economy. In light of heightened policy debates in the U.S., some of the most critical findings are:1 Increasing the number of legal immigrants with a college degree would have little impact on employment and…

Can Your Portfolio Weather an Economic Storm?

October 29, 2019

Let’s talk a little about famous last words. On Nov. 8, 2007, then-Federal Reserve Chairman Ben Bernanke told lawmakers that the U.S. economy did not appear headed for recession. One month later, the Great Recession of the 21st century began.1 So, on Sept. 6 of this year, when Fed Chair Jerome Powell announced that he…

What’s New in Banking

October 15, 2019

Nearly a quarter of the adult U.S. population is “underbanked.” This means they don’t regularly use a bank (or a bank’s mobile/online capabilities) to deposit checks and pay bills. That’s about 55 million people ostensibly living from cashed paycheck to cashed paycheck.1 When these underbanked people cash their paychecks for immediate funds to buy groceries…

Fingerprint, Retina Scans Not Just for James Bond Anymore

October 8, 2019

Most people using the internet to shop, conduct financial transactions or read firewall-protected content are likely familiar with the aggravation of maintaining passwords. Worse yet, tech experts now say conventional password security is only a marginal defense against hacking.1 We are now entering a new age in electronic security for the average user — one…

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