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SubmitBlog Tag: retirement
Retirement Blind Spots?
Oftentimes, when driving, you might give a little glance over your shoulder and start to switch lanes only to hear a horn and find someone driving in your blind spot. You move back over and keep heading in your lane. The question might be, “Were you able to get back over, get off on the […]
What We’re Reading: Mid-Year 2024 Edition
Retirement, a phase of life many look forward to, is evolving in fascinating ways. From financial planning to lifestyle choices, staying abreast of the latest trends and insights is crucial for anyone approaching or enjoying retirement. Here’s a curated selection of recent articles that delve into intriguing retirement topics: 1. How to Vet the Financials […]
Is Your Financial Advice Holding You Back?
A Look Back on Financial Planning and Software Financial planning for retirement has been an established industry for at least 30 years at this point. The software for doing the planning has come such a long way. At the time,some of the earliest packages were still being run on DOS-run computers, if you remember what […]
Football Season is Over….Retirement Lessons Still Important
For those of you who are familiar with American Football, you might be familiar with a term known as the “red zone”. If you aren’t as familiar with football and have never heard the term, it’s defined as when the team on offense enters the opponent’s 20-yard line or closer to the end zone. In […]
What People Get Wrong Claiming Social Security
Social Security has been around since 1935, when Franklin D. Roosevelt signed the Social Security Act into existence. Despite being around for almost 100 years, there still isn’t an easy answer for people on when they should claim for maximum optimization. Everyone’s situation is different, and there is no “one show fits all” approach, but […]
What We’re Reading – September and October Edition
WSJ – The Bond Market’s Message • Former member of the FOMC, Kevin Warsh, published this article explaining recent movements in the bond market. The article delves into the significance of the 10-year Treasury note, which sets interest rates that affect households directly. Walsh compares the impact of interest set by the Treasury versus shorter-term […]
Retirement Assets Go Up and Credit Scores Go Down
You’ve worked hard, saved well, and planned everything out. You’re finally in retirement. Everything is on the up. All except one thing. Your credit score. When you get to and go through retirement, you’re way less likely to buy a new car, you’ve paid off your mortgage, and wouldn’t dare carry a balance on your […]
What We’re Reading – August Edition
https://www.blackrock.com/us/individual/insights/blackrock-investment-institute/weekly-commentary A great recap from one of the largest asset managers in the world on how companies fared over last quarter’s earnings reports.
What We’re Reading – February Edition
https://www.moodysanalytics.com/-/media/article/2022/slowcession.pdf Moody’s – Slowcession. Moody’s Mark Zandi coins a new term to describe the current economic landscape. Read to find out the strengths and weaknesses of the market and what’s in store for 2023. https://www.wsj.com/articles/consumer-spending-inflation-economy-11675093472 Wall Street Journal – The U.S. Consumer Is Starting to Freak Out. The U.S. consumer influences approximately 70% of the […]
Lifetime Gifting
Retiree’s have benefited from over a decade of an incredible equity market run since the depths of the financial crisis. By and large, “sustainable” portfolio withdrawal rates from 4-6% have held up without depleting original retirement balances. We frequently see individuals who are in or past their first decade of retirement have significantly more in […]