Category: Uncategorized

Greetings! I hope and trust that this finds you well and enjoying life. Many studies reveal that the greatest cost in retirement is related to health care. For some of us long-term care will occupy the lion share of the cost and we all need a long-term care plan. Some…

Greetings! I hope and trust that this finds you well and enjoying life. Please see the following article from the Wall Street Journal on big things happening with Social Security. And remember, once an increase is applied it’s permanent. By Eric Morath and Anne Tergesen Updated Oct. 11, 2018 2:49…

Greetings! I hope and trust that this finds you well and enjoying life. It’s easy to get caught up in complacency when conditions are good, the sun is shining and the market is rising without interruption.  But, as we know intuitively (but often still forget), such conditions aren’t realistic or…

Greetings! I hope and trust that this finds you well and enjoying life. I believe that it is very important to be aware of and to examine the consensus of our society as a whole in ways that impact us as individuals. Every year the Employee Benefit Research Institute provides…

Greetings! I hope and trust that this finds you well and enjoying life. Investment planning during retirement is not the same as investing for retirement and in many ways is more complicated. Your working years are your saving years. With luck, your income increases from year to year as you…

Greetings! I hope and trust that this finds you well and enjoying life. Asset allocation and diversification are both an art and science. Getting it right goes a long way toward insuring success with your portfolio. The following are the necessary considerations for developing effective asset allocation and diversification in…

Greetings! I hope and trust that this finds you well and enjoying life. Week before last President Trump proposed changes involving Required Minimum Distributions (RMDs) from IRAs. In a nutshell the proposal extends the age in which a retiree must begin to take withdrawals. This is a positive and favorable…

Greetings! I hope and trust that this finds you well and enjoying life. When you change jobs, you need to decide what to do with the money in your 401(k) plan. Should you leave it where it is or take it with you? Should you roll the money over into…

Greetings! I hope and trust that this finds you well and enjoying life. Being named as the executor of a family member’s estate is generally an honor. It means that person has been chosen to handle the financial affairs of the deceased individual and is trusted to help carry out…

Greetings! I hope and trust that this finds you well and enjoying life. Are health insurance premiums taking too big of a bite out of your budget? Do you wish you had better control over how you spend your health-care dollars? If so, you may be interested in an alternative…