Greetings! I trust that this will find you well and enjoying life. A client recently asked about stock dividends as a source of retirement income. So the question is, are stock dividends reliable as a source of income? Dividends can be an important source of income. However, there are several… ...

Greetings! I trust that this will find you well and enjoying life. So much turbulence these past weeks in the market. Greater than anything since 2011. Unless a person has a solid understanding of the nature of the markets and the economic forces that drive them, emotional decisions can be… ...

Greetings! I trust that this finds you well and enjoying life. After a tumultuous volatile week technically a week that involved the greatest market point fluctuations (not percentage fluctuation) ever, where will it go from here? Officially we experienced a cyclical (short term) not secular (long term) market correction. A… ...

Greetings! I trust that this will find you well and enjoying life. The market volatility that I spoke about in my last writing began to manifest itself early last week and intensified as the week progressed. As of today the draw down has reached an official technical “correction” which denotes… ...

Greetings! I hope this finds you well and enjoying life. Here we are at a high point in the cycle of economic uncertainty. I say in the cycle because economic uncertainty is cyclical like stocks are cyclical, bond prices are cyclical, real estate is cyclical and pretty much any asset… ...

Greetings! I trust that this will find you well and in good spirits. I can’t emphasize strongly enough the importance of you keeping up with current financial affairs to a certain degree. Over time by staying in tune with the ebb and flow of the economy and the markets, you… ...

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Greetings! I trust that this finds you well and in good spirits. I want to pose a question. What does your retirement income plan look like? Do you have one? Accumulating a reasonable level of assets for retirement and strategy involved in that is certainly a necessary endeavor. However structuring… ...

Greetings! I trust that this finds you well and enjoying life. Whether you’re already retired or knocking on the door, one way to potentially maximize your savings, investments and income is to minimize your tax liability. Tax-deferred vehicles are more tax efficient since money can grow without the annual burden… ...

Greetings! I trust that this finds you well and enjoying life. A common strategy to save for retirement is to allocate funds for a tax-deferred retirement account, such as traditional IRA, employer-sponsored 401 (k) or 403 (b) plan. However, one drawback to saving via these plans is that when you… ...

Greetings! I 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 receive promotions… ...

Greetings! I trust that this finds you well and enjoying life. I have a question for you and I want an honest answer. Do you know where you stand financially at any given point in time? To be more specific, do you know within a few thousand dollars what your… ...

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Greetings! I trust that this finds you well and enjoying life. During your retirement years, it’s important to pay close attention to the income tax consequences of your investment decisions. If you receive a great deal of investment income when retired, for instance, the taxation of your Social Security benefits… ...

Greetings! I trust this will find you well and enjoying life. I am aware that this week’s topic is somewhat lengthy. However I find more and more retirees and persons approaching retirement being challenged to examine a retirement with an income shortfall. The experience can be radical unless you plan… ...

Greetings! I trust that this finds you well and enjoying life. Continuing Care Retirement Communities May Be Resourceful CCRCs are retirement facilities that offer housing, meals, activities and health care to their residents. These communities appeal to people who are currently in good health, but who worry that they may… ...

Greetings! I trust that this finds you well and enjoying life. Before you retire, take the time to figure out just how much money you’ll need for retirement. One of the biggest concerns for retirees is whether their retirement savings will last the rest of their lives– will they run… ...

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Greetings! I trust that this finds you well and enjoying life. Someone asked me a long time ago how they could learn more about money. My response was for them to make a habit of reading the money section of the Times Picayune each day. A lot has changed hasn’t… ...

Greetings! I trust this will find you well and enjoying life. Many people are finding it increasingly difficult financially to retire. I trust that the following ideas on managing an income in retirement will be useful. When you determine your retirement income needs, you make your projections based on the… ...