Greetings! I hope and trust that this finds you well and enjoying life. Many Americans realize the how important it is to save for retirement, but knowing exactly how much you need to save to be secure is another matter entirely. Everyone’s situation is unique and it’s sometimes challenging to… ...

Greetings! I hope and trust that this finds you well and enjoying life. You may hope to live to an old age, but a longer life means that you’ll have even more years of retirement to fund. You may even run the risk of outliving your savings and other income… ...

Greetings! I hope and trust that this finds you well and enjoying life. Most Americans will receive Social Security and Medicare benefits at some point in their lives. For this reason, workers and retirees are concerned about potential program shortfalls that could affect future benefits. Each year, the Trustees of… ...

Greetings! I hope and trust that this finds you well and enjoying life. In general we tend to drive more in the summer season than at other times of the year. I saw the following this week on gas prices and thought it might be of interest to you. The… ...

Greetings! I hope and trust that this finds you well and enjoying life. To further our discussion about investing basics and your retirement, this week let’s examine asset allocation. The combination of investments you choose for your retirement portfolio can be as important as your specific investments. The mix of… ...

Greetings! I hope and trust that this finds you well and enjoying life. To further our discussion about investing basics and your retirement this week let’s examine mutual funds. You can invest in all three major asset classes of cash, stocks and bonds through mutual funds. In this form of… ...

Greetings! I hope and trust that this finds you well and enjoying life.     To further our discussion about investing basics and your retirement this week let’s examine cash and cash alternatives. In daily life cash is all around you, as currency, bank balances, negotiable money orders, and checks.… ...

Greetings! I hope and trust that this finds you well and enjoying life.   To further our discussion about investing basics and your retirement this week let’s examine bonds. How do bonds work? A bond is basically an IOU. Bonds, sometimes called fixed-income securities, are essentially loans to a corporation… ...

Greetings! I hope and trust that this finds you well and enjoying life. To further our discussion about investing basics and your retirement this week let’s examine stocks. When you buy a company’s stock, you’re purchasing a share of ownership in that business. You become one of the company’s stockholders.… ...

Greetings! I hope that this finds you well and enjoying life. Over the next few weeks I’m going to write about investing basics as they pertain to retirement. Nowadays most folks have access to an employer-sponsored retirement plan. So I will address the benefits of saving in an employer-sponsored retirement… ...

Greetings! I hope that this finds you well and enjoying life. I have a case that I’m working on that involves naming a charity as beneficiary. I thought you might be interested in the following about this tax saving idea. Can I name a charity as beneficiary of my IRA?… ...

Greetings! I hope that this finds you well and enjoying life. I saw the following recently and felt that it can help to make your financial world more secure. How can I protect myself from digital deception? Imagine that you receive an email with an urgent message asking you to… ...

Greetings! I hope that this finds you well and enjoying life. It seems like lately I’ve been getting more and more robocalls. I saw the following information on dealing with robocalls and I thought it was worth passing on. You may not mind if a legitimate robocall provides a helpful… ...

Greetings! I hope that this finds you well and enjoying life. Traditionally, retirement income has been described as a “three-legged stool” comprised of Social Security, traditional employer pension income, or one that you create for yourself and individual savings and investments. With fewer and fewer individuals covered by traditional employer… ...

Greetings! I hope that this finds you well and enjoying life. At any age, health care is a priority. When you retire, however, you will probably focus more on health care than ever before. Staying healthy is your goal, and this can mean more visits to the doctor for preventive… ...

Greetings! I hope that this finds you well and enjoying life. Your asset allocation strategy in retirement will probably be different than the one you used when saving for retirement. During your accumulation years, your asset allocation decisions may have been focused primarily on long-term growth. But as you transition… ...

Greetings! I hope that this finds you well and enjoying life. I’m excited about the business of retirement. For some IRA holders there can be an effective way to give in a way that benefits the charity, benefits you and leaves the IRS out in the cold. Recently I have… ...

Greetings! I hope this finds you well and enjoying life. You’ve worked hard your whole life anticipating the day you could finally retire. Well, that day has arrived! But with it comes the realization that you’ll need to carefully manage your assets to give them lasting potential. Traditional wisdom holds… ...

Greetings! I hope this finds you well and enjoying life. If you’re a decade or so away from retirement, you’ve probably spent at least some time thinking about this major life change. How will you manage the transition? Will you travel, take up a new sport or hobby, or spend… ...

Greetings! I hope this finds you well and enjoying life. An increasing number of employees nearing retirement plan to work for at least some period of time during their retirement years. The obvious advantage of working during retirement is that you’ll be earning money and relying less on your retirement… ...