RSSCategory: Articles

Dec

12

New Rule, Nicer Returns?

Could the new fiduciary rule effectively enhance portfolio performance for retirement savers? A change is coming. The Department of Labor is introducing a new rule regarding retirement accounts – a rule that is profoundly impacting the financial services industry. The rule will require financial services professionals to serve as fiduciaries when they provide advice about […]

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Dec

5

Funding 35-40 Years of Retirement

If you live to 100, can you avoid outliving your money? Will you live to 100? Your odds of becoming a centenarian may be improving. Earlier this year, the Centers for Disease Control reported that the population of Americans aged 100 or older rose 44% between 2000-2014. The Pew Research Center says that the world […]

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Nov

28

Can You Get More Income by Reapplying for Social Security?

Most of the loopholes that let retirees do this are gone, but two possibilities remain. Years ago, retirees exploited loopholes in Social Security’s framework to dramatically increase their lifetime Social Security benefits. Many of the tactics they used are no longer permitted, but there are still a couple of ways to restart those retirement benefits […]

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Nov

21

Is a SIMPLE IRA Right for Your Business?

A look at this easy-to-administer retirement program. Do you want a simple retirement plan? A plan you can implement easily as an independent contractor or small business owner, without a lot of paperwork? A SIMPLE IRA may be the answer. A SIMPLE IRA plan gives you a tax break, while giving you and your employees […]

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Nov

14

Global Markets React to the Trump Win

Major indices advance after the news. Wall Street quickly rallied. Some analysts feared the worst Wednesday morning, but a half-hour after the opening bell, the Dow Jones Industrial Average was up 28 points while the S&P 500 and Nasdaq Composite were barely in the red. By the end of the trading session, the Dow had […]

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Nov

14

Growth Report for Monday, November 14, 2016

BLUE CHIPS HIT ALL-TIME HIGHS Donald Trump’s unexpected presidential election win did not rattle Wall Street. Instead, bulls saw the prospect of greater federal outlays and less business regulation in the near future. The Dow Jones Industrial Average closed at a new record Friday: 18,847.66. The Dow 30 had its finest week since 2011, gaining […]

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Nov

7

Mind Over Money

Emotion often drives our financial decisions, even when logic should. When we go to the grocery store, we seldom shop on logic alone. We may not even buy on price. We buy one type of yogurt over another because of brand loyalty, or because one brand has more appealing packaging than another. We buy five […]

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Oct

31

Mortgage Rates May Stay Low for a Long Time

Why aren’t they rising? Are they the new normal? In November 2012, the interest rate on a 30-year home loan averaged just 3.31%. That was an all-time low. Simultaneously, the 15-year fixed-rate mortgage averaged just 2.63% interest and the rate on the adjustable 5/1-year loan fell to 2.74%.1,2 Nearly four years after Freddie Mac reported […]

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Oct

17

What Expenses Could Change When You Retire?

Some costs could rise, fall or even disappear. Your retirement may seem near at hand or far away, but one thing is certain: your future will differ from your present. Financially, that fact is worth remembering. Some of the costs you have paid regularly all these years may suddenly decrease or fade away. Others may […]

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Oct

10

October Is National Financial Planning Month

Saving is a great start, but planning to reach your financial goals is even better. Are you saving for retirement? Great. Are you planning for retirement? That is even better. Planning for your retirement and other long-range financial goals is an essential step – one that could make achieving those goals easier. Saving without investing […]

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