Learn tips and tools to increase savings, balance risk & return, and maximize your retirement savings.

What Is Your Exit Strategy?

When is the right time to get out of the Market? Most people have no idea. If they’ve suffered losses, they are reluctant to “get out” of the market until they have at least waited long enough for a CHANCE to get back up to the $ amount they had before. The dilemma is what [...]

By | 2018-04-23T18:41:58+00:00 April 23rd, 2018|Retirement Planning|

Learn The Secret That Most Affects Your Retirement Success

When you consider what it takes to establish a successful retirement plan, what comes to mind? Is it your annual rate of return; the safety of your principal; having a balanced portfolio; guaranteed income for life? While all above are important, they are not the most critical factors that will determine whether you will run [...]

By | 2018-04-27T04:17:06+00:00 April 16th, 2018|Retirement Planning|

Maximize Your Pension And Take Better Care Of Your Spouse.

Many pension programs both in the private and public sector offer a “Spousal Survivor Benefit.” If the primary pensioner dies first—the spouse gets a percentage, usually not all, of the regular monthly pension received before death. If selected, this nice benefit comes at a not-so-nice cost. The provider of the monthly pension is now going [...]

By | 2018-04-18T02:28:16+00:00 March 18th, 2018|Retirement Planning, Uncategorized|

Which Bucket Of Money Do I Use First?

Most people who have saved for retirement, college or just an emergency fund, have assets in several different investments, I like to think of each of these as buckets.  Buckets of money.  Once the time comes to consider which bucket to use first, many options arise.  If you have qualified money in a bucket (IRA [...]

By | 2018-04-18T02:27:08+00:00 March 16th, 2018|Retirement Planning|

Does Tax Deferred Growth Make Sense For You?

The definition of tax-deferred growth is this: An investment in which some or all taxes are paid at a future date, rather than in the year the investment produces income. When comparing tax-deferred accounts with annual taxable accounts, several factors need to be considered: · How soon will the funds be needed? · Are these [...]

By | 2018-04-18T02:25:14+00:00 March 16th, 2018|Retirement Planning, Uncategorized|

The Investment Pyramid For Asset Allocations

The Investment Pyramid For Asset Allocations The idea of an investment pyramid is based on building the foundation (the bottom) the middle (some risk but higher reward) and the top (high risk and high reward). The concept is simple, build your base and add the other portions as you work to gain your financial goals. [...]

By | 2018-04-18T02:21:12+00:00 March 15th, 2018|Retirement Planning|

Why Market Draw Downs Slash Total Retirement Dollars

After a productive and too often strenuous lifetime of work, the time comes when we want to rely on the dollars we’ve saved and the income for which we have planned. Many of us saved in qualified funds retirement accounts, such as 401 (K)s, IRA, and Keoghs. Contributions to those plans are made with pre-tax [...]

By | 2018-04-18T02:20:13+00:00 March 14th, 2018|Retirement Planning|

The Emotional Side Of Being A Trusted Advisor

I recently received a call from my client, who shared with me that her husband of fifty-two years had passed away. I could feel the sadness and pain in her fragile voice. The reason for her call was she needed help filling out the death claim forms the insurance company sent her. The life insurance [...]

By | 2018-03-15T07:55:42+00:00 March 10th, 2018|Retirement Planning|

The Golden Years Might Not Be What You Expect

Cruises, Golden Years sailing into the sunset? How will you spend your Golden Years? Where do you invest your hard earned and essential retirement funds? Planning It is vital and important, make sure you think about it in depth. Make sure you don’t forget to focus on a much more and impending need, healthcare. Not [...]

By | 2018-03-11T00:04:34+00:00 March 6th, 2018|Retirement Planning|

When Optimism Can Be Devastating

Most of us maintain our most optimistic attitudes as we do the very best we can every day of our life. We try to live well today, as we set the stage for pleasant lives after we hang up the spurs from our working careers. As we plan for a fulfilling retirement, we carefully craft [...]

By | 2018-03-11T00:06:14+00:00 March 3rd, 2018|Retirement Planning|