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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…

Non-Cyclical Stocks and Their Relationship to the Economy

January 7, 2020

Three pivotal economic events of 2019 were: (1) the prolonged trade dispute between the U.S. and China; (2) the series of three interest rate cuts by the Federal Reserve; and (3) chatter about a possible 2020 recession. It remains to be seen whether a recession is on the way, but if you’re concerned about market…

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…

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…

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 Up With the Markets?

October 1, 2019

Anyone who followed the often-used investment adage, “Sell in May and go away,” is likely pleased with their decision after the markets struggled in the month of August.1 While recent market events may seem dramatic, August is historically the weakest month of the year for U.S. equities.2 By mid-August this year, both the Dow and S&P…

Small-Business Growth Has Economic Benefits

September 24, 2019

A promising way to jumpstart the U.S. economy is by helping more entrepreneurs establish their own businesses. The 30.2 million U.S. small businesses represent 99.9 percent of all businesses in this country. They employ nearly half (47.5 percent) of America’s total workforce.1 If you need further proof that small businesses can provide an economic boost,…

Why Retirement Portfolio Design Should Be Flexible

September 10, 2019

There is one predominant reason why retirement portfolio design must be approached differently today than in previous years: There is an infant alive in this world, right now, who is expected to reach age 200.1 That’s the prediction from demographers researching life expectancy trends, according to Olivia Mitchell, a business economics and public policy professor…

Examining the work/life balancing act

August 27, 2019

Researchers have estimated how much of our lifetime is spent on various activities. For example, based on a lifespan of 80 years, the average person will spend:1 26 years sleeping 7 years trying to get to sleep 13 years at work 8 years watching TV 5 years eating 3 years on social media 3 years…

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