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Inflation and Taxes Risk: Protecting Your Financial Future

As areas of the U.S. start to lift COVID-19 restrictions, Americans are starting to see the impact of increasing prices at the supermarket and the start of inflation. Here is the recommended steps toward protecting your financial future. While the CARES Act provided a one-time payment to individuals and for ...

Sequence of Returns Risk: Impacting Your Retirement Portfolio

The sequence of returns impacts investors when they are either adding to or withdrawing money from their retirement portfolio, which can create risk depending on the sequence and the market conditions at the time. If an investor is not doing either, then there is no sequence of returns risk ...
Emotional Investing

Emotional Investing in Times of Uncertainty

Investors want to enjoy a good night’s sleep each night because they’ve done their work, know what to expect, and that nothing comes as a surprise to them. However, in times of uncertainty, most of us let our emotions get the best of us, especially about our investments. Part of ...

The CARES Act, RMD, and Hardship Distribution Changes: What You Need to Know

The CARES Act (The Coronavirus Aid, Relief, and Economic Security Act) became law on March 27th, 2020. It contains significant legislation for Required Minimum Distributions (RMD) for those over age 70 ½ who have already started RMD. Under previous IRS distribution laws, a minimum distribution from a pre-tax retirement savings ...
Diversification, family-oriented

How to Regain Control of Your Finances: Understanding Diversification

Stop and take a moment to visualize your future. What would your days consist of, and who would be with you? It may seem far away, yet when you neglect to consider important milestones in your life, you’re more likely to defer your dreams and passions. Don’t let “life” get in the ...
Low-Interest-rate Environment

Finding Safety in a Low-Interest-Rate Environment

When investors think of ‘safe investments,’ they tend to think of bonds or CDs, which calculate from a pre-determined timeline and interest rates. During a low-interest-rate environment, both provide safety, but not necessarily, the returns investors are seeking. Bonds and CDs have differing benefits and risks despite being viewed by ...
Social Security Retirement System

COVID-19: Negatively Impacting the Social Security Retirement System

COVID-19 has changed the way we interact with others and our ability to work. Currently, one in four worldwide confirmed COVID-19 cases is occurring in the U.S. The halting of economic activity is expected to damage our economy more than any other previous occurrence. While remote work is happening at ...
Tax-free Income in Retirement

In Need of Tax-free Income in Retirement? Consider Life Insurance

When you think about tax-free income in retirement, the traditional vehicles likely come to mind. Such as your 401(k) or 403(b), traditional and Roth IRAs, and your personal savings account. What you may not consider, however, is that life insurance can also function as a form of retirement income – ...
Turn life insurance into an asset, not a bill.

How to Make Life Insurance an Asset, Not Just a Bill

In his best-selling book, Principles, author Ray Dalio, argues that you have to be “radically open-minded” in order to see things from a different perspective. Dalio, the billionaire founder of Bridgewater’s hedge fund empire, believes that to make good decisions, you must have the ability to explore different points of view and different possibilities—even if you don’t initially agree with them ...