Category: Blog Posts

Market Volatility: Why It Often Pays to Stay the Course 

“The bigger they are, the harder they fall.” This saying has traditionally referred to battles or fights in which the larger opponent hits the ground hard when knocked out or defeated. But it can also refer to the financial markets. For example, consider the S&P 500 index, which is generally considered to be the main […]

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Five Common Retirement Planning Mistakes to Avoid

The statistics regarding retirement savings in America are sobering. According to a report prepared by the National Institute on Retirement Security, three-quarters of Americans fall short of conservative retirement savings targets for their age and income.  In addition, six out of 10 working-age individuals don’t own any retirement account assets, nor are they covered by […]

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529 Plan vs. Custodial Account: Which College Savings Plan is Best for You?

With student loan debt now exceeding one trillion dollars, many families are making a concerted effort to beef up their college savings so their kids aren’t carrying a heavy debt burden when they graduate. But the rising cost of college is making this more and more difficult. According to the College Board, the 10-year historical […]

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Why You Should Talk to Your Parents About an Advanced Healthcare Directive

Death is an unavoidable fact of life. The statistics regarding death still haven’t changed: 10 out of 10 people who are born will eventually die. This still doesn’t make it any easier to talk about death or serious medical issues — especially with the ones we love. However, it’s important to talk with aging parents […]

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Financial Factors to Consider If You Plan to Retire Abroad

Exotic locales and a lower cost of living are luring a growing number of Americans overseas for their retirement years. Last year, nearly half-a-million U.S. citizens received a Social Security check at an overseas address, which was 38 percent more than in 2008. The overseas lure is understandable for retirees with a sense of adventure, […]

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New Survey Reveals the Most Popular Types of Investments

In a recent survey conducted by Bankrate, respondents were asked the simple question: What is your preferred type of investment for money that you won’t need to access for at least 10 years? The answer is somewhat surprising. Despite the bursting of the housing bubble a decade ago that was a primary cause of the […]

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What You Should Know About the Equifax Settlement

It has been nearly two years since the massive Equifax data breach occurred. On September 7, 2017, credit reporting bureau Equifax reported that sensitive personal information belonging to 143 million Americans had been exposed to hackers.  The Equifax data breach remains the largest breach in modern history. This includes the data breach that was recently […]

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Interest Rate Watch: Fed Cuts Interest Rates, Signals More Cuts Could Be Coming

On July 31, the Federal Reserve did something it hasn’t done in more than a decade: cut interest rates. In an effort to head off the possible negative effects of a global economic slowdown and growing trade tensions between the U.S. and some of our major trading partners, the Federal Open Market Committee (FOMC) lowered […]

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Retirement Planning: Is 65 the New 45?

Here in the U.S., the age of 65 has been viewed as the traditional retirement age for nearly a century now. It goes back to the signing of the Social Security Act by President Franklin D. Roosevelt in 1935. This legislation established 65 as the age at which Americans who were eligible would be able […]

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How Taxes Affect Investment Returns

One thing that people often neglect to consider when planning investing strategies is the impact of taxes on their investment returns. Taxes can take a bite out of annual returns, which can jeopardize your ability to meet long-term investing goals. In fact, a study conducted by the Schwab Center for Financial Research determined that lowering […]

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