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We help individuals and families work toward achieving their ideal retirements.

Market Volatility: Taken in Perspective

May 24, 2022

But remember, this is the situation for which you built a long-term asset allocation strategy. If you haven’t developed such a strategy yet, we are happy to help you do so. We can help identify your long-term goals, particularly with regard to retirement planning and multiple streams of income to help mitigate the risks of…

The War on Oil Prices

May 17, 2022

As with any major global conflict, we learn things. The pandemic taught the U.S. the importance of reshoring manufacturing jobs, so we aren’t beholden to other nations, like China, for many of our consumer goods, from medicines to electronics.1 One of the key lessons emerging from the Russia-Ukraine conflict is self-reliance for energy sources, such…

The Value of Multiple Retirement Income Streams

May 10, 2022

Retirement planning was historically a little easier. For instance, the average life expectancy in 1950 was 68 years old.1 If you retired at age 62, your retirement plan might need only six years of retirement income. Additionally, with the decline of defined benefit pension plans, only 14% of private industry employees receive a pension today.2 Since…

Consumers: College Enrollment: Downstream Effects of COVID, Inflation and Technology

May 10, 2022

The pandemic has influenced the perceived value of a higher education. However, this merely put the spotlight on an already growing trend. For instance, U.S. student loan debt increased by more than 100% from 2010 to 2020.1 Now, because of the limitations imposed on classroom and on-campus activities, augmented by online learning opportunities, many of…

Windfall Imaginings

May 3, 2022

Have you ever thought about what you would do if a windfall dropped in your lap? It’s not that unusual. After all: The U.S. is experiencing the greatest wealth transfer in history. Nearly $68 trillion, mostly held by baby boomers, will be transferred to heirs in the next 25 years.1 Since 2018, individual lottery windfalls…

How the Russia-Ukraine Conflict Could Affect Americans

April 26, 2022

When Putin invaded Ukraine in late February 2022, President Biden announced sanctions targeting Russian banks, the country’s sovereign debt and Russian oligarchs, warning that Russia would pay an even steeper price if it did not cease its aggression. In the early days of the conflict, European banks braced for the fallout. However, U.S. bank executives…

Are We Back to Normal Yet?

April 19, 2022

It’s been two years since COVID-19 hit U.S. shores, but are we anywhere near pre-pandemic normal yet? It doesn’t look like it. The stock market, while volatile, recovered nicely from the initial shock and sustained overall performance for much of the pandemic, until recently. One contributing factor appears to be inflation, which has been rising…

What We Worry About

April 12, 2022

Retirement Planning A recent survey found that about 50% of couples do not agree on how much money they should have saved by retirement.¹ However, new research shows that couples who engage in financial planning together tend to be happier and more successful during retirement. Interestingly, couples that score highly on cognitive interdependence (meaning they…

An Update on Municipal Bonds

April 5, 2022

Municipal bonds are popular among retirees and near-retirees as they seek to reduce market risk and position assets for a lower tax bill. One way to diversify across this sector is to invest in municipal bond mutual and exchange-traded funds. In 2021 alone, that’s where investors placed a record-high $96.8 billion of their money.1 With…

Market Jitters

March 29, 2022

In mid-to-late January, investors experienced one of those common but utterly nerve-wracking pullbacks in the stock market. An accumulation of factors — inflationary pressure, potential adjustments to monetary policy, geopolitical concerns — combined to put the stock market into a tailspin.1 If there is one reminder that might provide investors comfort, it’s that none of this…

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