Much is being said regarding the changes happening in the financial services industry right now. You may have heard some news stories through the media regarding disclosure, compensation, and fiduciary responsibility. Those that are already disclosing fees, advisor compensation, and are a fiduciary are already operating on these parameters; those that are...
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If you are currently receiving Social Security retirement benefits and it is a big part of your retirement income, congratulations! You are the second or possibly third generation that has benefited from what was initially an excellent plan for workers in our country. If you are part of the...
Many of us have been a caregiver while we were raising children, now some of us are caring for a loved one out of necessity as the older family member is no longer able to care for themselves. A recent 2017 Transamerica Center for Retirement Studies report indicates that...
You may be considering investing in a vacation home as part of your retirement goals or just because you feel it’s a good investment. With real estate prices back to where they were pre-2008 in most of the US, those looking to add a vacation home to their portfolio...
Here we are in the last quarter of 2017! Reviewing your retirement accounts is essential, but do you realize the benefits of evaluating at the end of the year? Fall tends to be a time many people start thinking about next year and what they want to accomplish. The...
If you are a millennial you may feel like you have a target on your back. Local financial advisors, stockbrokers, bank representatives, CPA firms, and online firms constantly solicit you. You have a bewildering number of choices and making the wrong selection decision can undermine the achievement of your...
If you aren’t utilizing your health savings account (HSA) at your employer, you’re missing out on a great way to save for retirement health care expenses. HSAs allow you to set aside money to be used to pay for medical expenses now during your working years, and later in...
What is a personal information cyber-attack? A cyber-attack is a type of criminal activity where an individual or an organization target computer information systems, networks, or personal computer devices by various means through ‘hacking’ into the computer infrastructure. Cyber-attacks are used to collect information that can affect an individual,...
Retirement can be risky business http://www.investopedia.com/articles/retirement/08/post-retirement-risks-outlive-assets.asp if you don’t consider all the factors that can impact your retirement during your planning process. It’s hard to know what will happen in the future to you or your investments. These are the main things that should be addressed in your retirement...
As financial advisors, many times we are asked by clients what they should invest in. It’s not always an easy answer, because our answer to clients depends on many things. What you should invest in is personal to YOU, and should take into account your personal situation. However, one...