Retirement SolutionsArticles

We help individuals and families pursue their ideal retirements.

Does Your Behavior Influence Your Portfolio Performance?

March 2, 2020 |

This is an interesting topic because the concept of efficient markets rests on the belief that investors behave rationally – buying when prices are low and selling when they are high. However, this practice goes against the grain of human behavior. Why? Because we are not machines; our behavior is typically based on our emotions…

The SECURE Act is Changing Retirement

February 1, 2020 |

The “Setting Every Community Up for Retirement Enhancement” (SECURE Act) legislation was signed at the end of December 2019 and is effective January 2020. The SECURE Act puts into place several changes that are intended to strengthen the security of retirement across the country. Here are some key takeaways to be aware of: Annuities in 401(k) plans – The SECURE Act…

How Could America’s Debt Affect You?

December 2, 2019 |

Money has become easier to borrow thanks to the federal government slashing interest rates three meetings in a row. Lower rates make it cheaper for households and businesses to borrow and refinance existing debts. According to the New York Federal Reserve, household debt is up 0.7% during the third quarter, continuing a five-year climb encouraged…

Stuck in the Middle with You

September 6, 2019 |

47% of Americans between the ages of 40 and 59 have children young enough to live at home and parents old enough to need caregiving aid.1 Economists have dubbed this the “Sandwich Generation” because their time and attention is divided. More than 40 million Americans serve as the primary caregiver for their aging parents, and…

Tips to Help Avoid Running Out of Money in Retirement

July 8, 2019 |

One of the biggest concerns we hear about retirement is running out of money. This is understandable because we don’t know how long we will live, what our future costs might be or what kind of returns we will get on our investments. Let’s talk about a couple of things you could do to help…

Tips for Your Recent College Graduate

June 3, 2019 |

During the economic decline of the recession many households struggled, with the loss of income people stopped investing for college and retirement. This means many of the children from that era paid their own way through college, racking up the debt. Among recent college grads (ages 21-24), 79% have student loans they must pay back.1…

Tips for a Successful Wealth Transfer

May 2, 2019 |

Overview Baby boomers, the demographic born between 1946 and 1964, are the wealthiest generation in history. As they continue to age, a major wealth transfer is expected as they pass accumulated assets on to heirs. According to Vanguard, 96 percent of the equities owned by baby boomers are concentrated among the wealthiest 20 percent.2 This…

How the Strength of the Dollar Impacts the Market

April 4, 2019 |

Overview Up until 1973, the value of the U.S. dollar was determined by the Bretton Woods international monetary system. After 1973, the federal government decided to base the value of our currency on the economic principles of supply and demand. That also means that material commodities, such as oil and precious metals, are priced in…

Working and Saving for Retirement

March 26, 2019 |

There are several ways to save money for retirement while you are working. Here are a few tips on what to be aware of when it comes to your retirement savings. 401(k)’s: Typically, set up by an employer. Employers may match your contributions (up to a certain amount), using pre-tax dollars taken out of your…

2019 Stock Market: What the Experts Say

March 21, 2019 |

By the end of 2018, not one of the eight asset categories tracked by Ned Davis Research was on track to post a return greater than 5 percent. Since it’s common for the market to yield at least some “winners” and “losers” among asset classes each year, this was a significant phenomenon that hasn’t occurred…

Donate Your RMD to Charity & Save on Taxes

February 11, 2019 |

You’ve spent years contributing to your tax deferred 401(k)s and IRAs and as you withdraw money from these accounts in retirement, income tax is due. At the age of 70 1/2 you are required to take an annual withdrawal from these types of accounts, called a Required Minimum Distribution (RMD). The penalty for skipping a…

Women & Money

January 28, 2019 |

Overview Although women have made great strides in the workplace and politically, they still face economic challenges. While women-owned businesses account for nearly 40 percent of all privately held firms in the U.S.,1 women hold only 10 percent of top executive positions (CEO, CFO and so on) in companies that compose the S&P 1500 stock…

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