Financial Planning: The Sequence of Returns

A look at how variable rates of return do (and do not) impact investors over time.

What exactly is the “sequence of returns”? The phrase simply describes the yearly variation in an investment portfolio’s rate of return. Across 20 or 30 years of saving and investing for the future, what kind of impact do these deviations from the average return have on a portfolio’s final value?

Why Regular Rebalancing Makes Sense

Your investment portfolio may be off-kilter, and you may not even know it.

Is 80% of your portfolio held in equities? Perhaps it is without you realizing it. You could invite this risk, and others, if you go too long without rebalancing your portfolio.

Financial Planning: Guarding Against Identity Theft

Take steps so criminals won’t take vital information from you.

America is enduring a data breach epidemic. The latest annual study of the problem from Javelin Strategy & Research, a leading financial analytics research firm, says that 16.7 million people across the nation were impacted by I.D. theft in 2017 – an all-time high.1

Why the U.S. Might Be Less Affected by a Trade War

The nature of our economy could help it withstand the disruption.

A trade war does seem to be getting underway. Investors around the world see headwinds arising from newly enacted and planned tariffs, headwinds that could potentially exert a drag on global growth (and stock markets). How badly could these trade disputes hurt the American economy? Perhaps not as dramatically as some journalists and analysts warn.1,2

Why Having a Financial Professional Matters

A good professional provides important guidance and insight through the years.

What kind of role can a financial professional play for an investor? The answer: a very important one. While the value of such a relationship is hard to quantify, the intangible benefits may be significant and long lasting.

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 in pursuit of higher monthly income.

Why Do People Put Off Saving for Retirement?

A lack of money is but one answer.

Common wisdom says that you should start saving for retirement as soon as you can. Why do some people wait decades to begin?

A Look at Fixed Index Annuities

Examining how these insurance products are structured and their potential.

A fixed index annuity offers you an alternative to a Wall Street investment. It is an insurance product structured with two goals in mind: principal protection and market participation.

Why Life Insurance Matters for New Homeowners

It addresses a significant financial risk.

 If you buy a home and you have no life insurance, there is a financial risk. It may not be immediately evident, but it must be acknowledged – and it should be addressed.

Tax Advantages of Health Savings Accounts

A Look at HSAs
Health Savings Accounts may provide you with remarkable tax advantages.