Resources

Outlook for 2021

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As 2020 comes to a close, we are already looking forward to a new year—and to a world very different from the one we’re leaving behind. Areas of the economy have been damaged and may never fully recover, but other areas will adapt, reinvent, and help reinvigorate growth. Read More

Gift Card Scams

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Did you know that cybercriminals commit financial fraud by tricking people into buying gift cards and sending them the gift card information? This popular scam is a preference for cybercriminals because gift cards are an easy substitute for cash, they are easy to purchase, and once the fraud is complete it’s difficult to track down the scammer.

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Where There’s A Will, There’s Not Always An Estate Plan

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Estate Planning is more than just having a will, it is about planning for a good end of life. GETTY

 

When I ask retirees if they have an updated estate plan in place, I get a mix of responses. Some people recognize their estate plan is lacking, as millions of Americans either don’t have one or have an outdated plan that doesn’t align with their life anymore. Other people believe they have an updated estate plan, but even this group is mistaken. Their “estate plans” are really just wills. Read More

THE BENEFITS OF FINANCIAL PLANNING

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TAKE CONTROL OF YOUR FINANCIAL FUTURE

The pace and complexity of managing modern finances may leave some people unprepared to achieve a successful financial future. If you’re feeling less than confident about your future, having a well-prepared financial plan can help put you in control. To manage your income and expenses effectively throughout your lifetime, consider partnering with your financial advisor, who has the experience to help you create a plan that strategically addresses your unique goals and needs.

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A Quick Guide to Retirement Planning

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Getting ready for retirement requires consistent saving, prudent investing and successfully avoiding penalties and fees. You can build a nest egg faster if you take advantage of workplace retirement benefits and make optimum use of government programs, including Social Security and Medicare.

Here’s how to make a basic financial plan for retirement:

 

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The Dow Just Fell 1862 Points. Here’s How to Protect Your Investments Against Stock Market Volatility, Again!!

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It’s no time for investors to get complacent.

The S&P 500 may have erased its losses for the year earlier this week, but volatility returned with a vengeance on Thursday afternoon, with the Dow plunging more than 1,500 points. Uncertainty remains over how the coronavirus may play out in months to come -– and what that will mean for the market going forward. It’s a good time to make sure your portfolio is in order.

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Pandemic creates pension plan tension: Take the lump sum or trust lifetime payments

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KEY POINTS

  • The number of pension plans dropped to about 46,700 in 2017, from 103,000 in 1975.
  • During the same time,  defined-contribution plans such as the 401(k) grew to 662,800, from 207,700.
  • If you’re leaning toward choosing guaranteed lifetime income by remaining in the plan instead of taking the lump-sum offer, be sure you have confidence in your employer’s long-term viability.

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‘Bankrupt in Just Two Weeks’: Individual Investors Get Burned by Collapse of Complex Securities

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William Mark lost nearly all of the $800,000 he put into ETNs.© Aaron Vincent Elkaim for The Wall Street Journal 

 

When William Mark decided to get back into investing after the 2008 financial crisis, he looked past stocks and bonds. Needing to play catch-up with his retirement portfolio, the piping engineer decided to bet on a complicated product he hoped would deliver double-digit annual returns. Read More

Here’s how retirees can deal with market volatility when they don’t have time to ‘stay the course’

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KEY POINTS

  • Retirees likely experience legitimate fears during extreme market volatility, so questions both emotional and practical must be acknowledged and addressed.
  • It’s important for retirees to maintain a healthy allocation to stock exposure in order to ensure that their lifestyle keeps up with inflation.
  • Retirees with a sound, goals-based investment strategy can rest easy; those without one should use this hysteria du jour as the catalyst for a substantive portfolio review.

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