I recently took a spin in the wayback machine and found this column I wrote a year ago talking about low interest rates. Not too much has changed so I thought I’d do a little edit and send it out again. It’s funny how many of my clients remember the high interest rates of the…

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Seniors love COLA. No, not soda… though I assume there are some soda fans out there… but Cost Of Living Adjustments to Social Security. COLAs are the SSA’s response to inflation. From 2000 to 2020, inflation has averaged just north of 2% each year. A dollar in 2000 was worth what $1.51 is worth now.…

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It’s Wednesday morning and both the Nasdaq and S&P 500 hit new highs yesterday. As of now (11:52 a.m. in the east) both indexes are up again. When discussing the markets, which I end up doing many times each day, I keep getting the same questions and comments: Why does the market keep going up while the…

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In the last 10 years, companies have made it really obvious that they don’t want to spend time on the phone anymore. From my experience, there are two ways they make phone calls difficult: people and computers. With people, you waste your time endlessly repeating your details to operator after operator to narrow down the…

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When I talk to my clients, one of the things I hear most often is “We’ve never lived through anything like this before.” And that’s very true. 2020 has been an adventure to say the least. But I take that time to remind them that the world may be changing, but their retirement needs aren’t.…

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I know it hasn’t been fun and I know most of us have had our share of roller coaster rides over the years, but it feels like we’re on a ride again. The first quarter of 2018 saw a return to what we can consider “normal” levels of volatility, after a period of historic low…

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You may have seen a column by Jane Bryant Quinn in this month’s AARP Bulletin about Fixed Indexed Annuities (FIAs). Fixed indexed annuity sales totaled more than $60 billion in 2016 and continue to grow as an asset class for retirees and pre-retirees. Ms. Quinn’s concerns are somewhat valid, but not wholly accurate. To wit: “Salespeople might…

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Ramp Up Your Retirement

As you get closer to your retirement, you start to think practically about the steps of your retirement transition. A to-do list emerges of tasks to try and accomplish, as well as things to consider. If haven’t retired but are getting ready to, here’s three things you should think about.   Mind Your Money Now…

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I have plenty of folks coming through my doors who are more than ready to quit their jobs. They’re ready to drop the day-to-day routines of rush hour traffic and 9-to-5 office politics, and leave the office behind. But while a lot of folks are ready to ditch work, they’re not ready for the mental…

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