Category: Retirement Planning

Retirement, Income, Tax & Estate Planning.

Is It Time To Buy Bonds?

In the past few weeks I’ve had a handful of clients ask me whether it was a good time to buy bonds. With the stock market hitting new records over and over again lately, these clients were all considering taking some money out of the stock market, locking in their gains, and putting these funds…
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February 18, 2021 0

The Low Interest Rate Dilemma

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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December 10, 2020 0

Déjà Vu, All Over Again

With Thanksgiving just a few days away, we know Christmas and New Year’s can’t be far behind. Few of us can’t wait to put this year behind us. Nothing seems to be the same, including most likely your Thanksgiving celebration next week. So often when I’m talking with clients, they ask me the same question.…
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November 19, 2020 0

Goodbye, Healthcare.Gov. Hello, Pennie.

Sunday rings in the month of November. As some of us look forward to a unique holiday season, others are anxious to turn the page on 2020. November 1st is also the first day of Open Enrollment for 2021 Health Insurance Coverage. In September, Pennsylvania debuted its state-based insurance marketplace called With Pennie’s launch,…
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October 29, 2020 0

Four Days To Go

It’s Friday morning and we’re finally down to four days to Election Day. Figuring out when the whole thing will be done and knowing who the winner is will be a whole ‘nother talk show. Overall, we are a 50/50 country with mood swings one way or the other. So, like every other election, about…
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October 29, 2020 0

Good News For Q4 2020

With everything we have all experienced in 2020, I know I’m tired of writing, seeing, and hearing the phrase “unprecedented times”. I think we’d all like to go back to precedented times. The good news—and the title promises good news so I’m going to deliver it—is that the big worries of the fourth quarter don’t…
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October 8, 2020 0

Social Security Isn’t Keeping Up

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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October 1, 2020 0

A Record-Setting Week

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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August 19, 2020 0

How To Get A Human On The Phone

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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August 13, 2020 0

Expect The Unexpected

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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August 5, 2020 0