The information being provided is strictly as a courtesy. When you link any of these websites provided herewith you are leaving this site. Our company makes no representation as to the completeness or accuracy of information provided at the sites. Nor is the company liable for any direct or indirect technical or system issues or any consequences arising out of your access to or your use of third-party technologies, sites, information and programs made available through the site. When you access one of these sites, you are leaving InFocus Financial Advisors’ website and assume total responsibility and risk for your use of the sites you are linking to.
SubmitBlog Tag: Social Security
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 […]
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 – 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 […]
What We’re Reading – August Edition
S&P Dow Jones – Indexology Blog – S&P 500 and Dow Jones Industrial Average – Same but different https://www.indexologyblog.com/2021/07/22/the-sp-500-and-djia-divergent-paths-to-similar-results/ A quick read on the difference between the two popular bellwethers of the US stock market. Which do you track, and what makes them different?
Hot Retirement Topics
It is not often that we get to call retirement topics “hot”, but right now I am taking the liberty. Some topics can and likely will affect your retirement years more than others. These “hot topics” to us are currently: your fixed income/bond holdings, Roth IRA conversions, and a reduction of your social security income […]
Retirement and Sheltering in Place
While we are in what is likely to be a worsening global pandemic situation, we remain optimistic that we will all get through this together. We will all need to do our part and reduce the spread of this challenging virus. While doing that we can be quite anxious, and a bit of cabin fever […]
What We’re Reading Aug 2019
Understanding Social Security Acronyms – https://blog.ssa.gov/social-security-terms-in-plain-language/?utm_medium=email&utm_source=govdelivery A nice simple blog from the Social Security Administration on frequently used Social Security acronyms. The Social Security website is a great resource to learn more about your benefits. What valuations tell us about factor investing – https://www.msci.com/www/blog-posts/what-valuations-tell-us-and-don/0449669323 A nice piece that is a little technical but illustrates how we look […]
What We’re Reading April 2019
People sometimes ask what we are reading or what they should read themselves. Our plan is to give a random sample of research or relevant writing at least once a month. There are no priorities or level of importance indicated by having the articles on this list. It is more about some items we have found […]
What We’re Reading Feb 2019
People sometimes ask what we are reading or what they should read themselves. Our plan is to give a random sample of research or relevant writing at least once a month. There are no priorities or level of importance indicated by having the articles on this list. It is more about some items we have found […]