Category: Blog Posts

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 […]

continue reading

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 […]

continue reading

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 […]

continue reading

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 […]

continue reading

A History Lesson: Looking Back at the Past Half-Century of the U.S. Economy and Markets

The past few weeks have seen major stock market indices hit new record highs, with the widely watched Dow Jones Industrial Average crossing the 27,000 barrier for the first time on July 11 while the S&P 500 flirted with 3,000. In addition, the U.S. economy set a new record this month for the longest expansion […]

continue reading

Health Insurance Options: New Regulations Will Make HRAs Viable Once Again

In 2002, a new type of employer health coverage was introduced that became known as Health Reimbursement Arrangements, or HRAs for short. HRAs allowed small and mid-sized businesses to reimburse employees for the premiums they paid to buy health insurance policies in the individual market. However, HRAs were effectively killed by the Affordable Care Act […]

continue reading

Social Security Claiming Strategies: What You Should Know Now About Restricted Application

Many retired couples utilize a strategy that enables them to boost their combined Social Security income. Known as restricted application, this strategy involves the higher earning spouse choosing to receive spousal benefits while waiting until later to receive his or her own benefits. However, this strategy will no longer be available after 2019. This makes […]

continue reading

Long-term Care Insurance: Is This a Good Buy for You?

One aspect of retirement planning many people neglect is the possibility that they may face crippling costs for long-term care (or LTC) after they retire. In fact, if you’re 65 years of age or over, there’s a 70 percent chance that you will require some type of long-term care services, notes the U.S. Department of […]

continue reading

Catching FIRE: How to Retire Super Early

There’s a growing movement among some people today to retire far sooner than what is generally considered to be the traditional retirement age of 65. Known as FIRE — which stands for Financial Independence Retire Early — this strategy generally involves living a frugal lifestyle in order to save large amounts of money for retirement. […]

continue reading

Understanding Social Security Spouse and Survivor Benefits

If you’re like millions of Americans, you’re counting on Social Security as an important source of income during your retirement years. This makes it critical to plan carefully for how you can maximize your Social Security benefits when you retire. One common mistake made by many married couples when planning the role of Social Security […]

continue reading

How can I get started?

contact us