Retirement Planning

Help Smash Your Fears with Cash

We have had a wonderfully long bull market which has probably helped to boost retirement savings for those who remained invested, but we still have some ways to go before we beat the bull market of the 1990’s. We may get there, we may not. As investors, we always want to be on the right…

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Why is Money Talk Taboo?

As a society, we pay a very high price to keep silent about money.  Why is it that many Americans feel more comfortable talking about politics, taxes, death or religion? Our hangup about money conversations contribute to “50% of first marriages ending in divorce, 70% of families failing to successfully pass down their wealth to future…

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Young Boomers May Face the Biggest Hurdles

The first half of the infamous “baby boomers” (born 1946-1955) began reaching normal retirement age six years ago.  Lucky you if you fall into the older boomer category. You have seen the longest bull run in stock market history and if you remained invested after the financial crisis of 2008, you are probably quite happy with…

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Best Places to Live in Retirement

Many retirees believe the best place to live in retirement is right in their own home. Let’s explore some of the “best places” where that home might be located and what it might look like.   It’s worth noting that the retirement experience varies widely. Some people have the money to relocate or buy a…

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Uncomplicated- The New Retirement Lifestyle

  Uncomplicated- The New Retirement Lifestyle The two generations of Baby Boomers who had to have it all and do it all are now looking for a less complicated lifestyle in retirement.  By no means does that mean less fulfilling. We have high expectations.  Things that used to be “nice to have” are now being called essentials.  Vacations, pet care, smart…

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Who’s Your Pilot?

  Who’s Your Pilot? Do you like to travel?  When you do, do you take an airplane?  What do you expect when you step foot on that plane?  You are probably expecting a few things: 1. That the pilot is qualified, 2. That the pilot has a flight plan to make it to your destination,…

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Teachers are Vulnerable

  Teachers Are Vulnerable The Department of Labor (DOL) has approved a rule, that will become effective April 2017, that holds all financial advisors to a fiduciary standard of care when providing investment advice on retirement accounts and IRAs .  This means an advisor must recommend what is in a client’s best interest when it comes…

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Good News if You are Charitable!

Good news if you are charitable…. Qualified charitable distributions are renewed-PERMANENTLY! No more annual “wait and see” and scrambling to get things done. QCDs expired once again at the end of 2014, but the new tax law, “Protecting Americans from Tax Hikes Act of 2015” makes them-effective retroactively for 2015 and beyond. QCDs allow individuals…

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Let’s Admit It: We All Need Retirement Income

  Let’s Admit It:  We All Need Retirement Income No matter what situation you find yourself in, whether you have $5 million or $50,000 saved for retirement, we can all agree that retirement income is the foundation to every financial plan.  A house without a strong foundation can never become a safe home to dwell…

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