Workers have been contributing to the Social Security system since the program began in 1937, and retirees have been collecting benefits since that same year. However, we are increasingly hearing questions from clients, especially younger clients, about whether or not they will receive their promised benefits.... Read More
Taxpayers underwent a dramatic change in late 2017 with the passage of the Tax Cuts and Jobs Act (TCJA). In another two years, we may undergo another dramatic shift.... Read More
Do you have a high school or college-age child? Knowing what you know now, I bet you would like to give them a head start on retirement savings, right? The good news is, if your child works, you might be able to do just that. ... Read More
That’s right, it’s tax time once again! Before you start working on that filing, make sure you have everything you need. There’s nothing worse than getting a notice later in the year that you owe more money because of an error. Here are some common mistakes to avoid.... Read More
The 60/40 portfolio has long been used by moderate-risk investors. The equity sleeve could provide long-term growth, while the fixed income sleeve could dampen volatility and smooth the ride for investors. But after a very rough 2022, some are questioning the ongoing viability of the strategy.... Read More
A common fear among retirees and soon-to-be retirees is running out of money. And as we now know, social security is not designed to be a retiree's only source of income. Let's explore another avenue for creating guaranteed retirement income.... Read More
With its aggressive rate hikes in 2022 and continued moderate hikes in 2023, the Fed has raised rates to the point where investors can now find yield without taking on too much risk. The days of earning 0% yield on bank accounts and not much more on conservative bonds are behind us for the moment. So what does that mean for investors?... Read More
It may be the start of a new year, but we’re not going to discuss resolutions. Too many bad connotations for great intentions and disappointing results. Or is that just me? Instead, let’s talk about a few financial items to think about as the year commences. Is that similar to resolutions? Yes, but it’s all about branding.... Read More
In my last article, I discussed the importance of a long-term focus when investing and why such a focus has historically served investors well. With markets continuing to gyrate wildly, is it time for a different approach? For the answer, let’s evaluate the stock market’s odds of winning and losing over the long run. ... Read More
We always encourage our clients to think long-term about their investments. This is not just an empty platitude; we encourage it because it works. With markets going haywire this year, trying to avoid further losses can be tempting, but that often ends up hurting more than it helps.... Read More
