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

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  • 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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USAA sells Wealth-Management business to Charles Schwab for 1.8 Billion.

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San Antonio-based USAA announced that it’s selling its investment management business to Ohio-based Victory Capital Holdings Inc. for at least $850 million.

Charles Schwab became next in line for part of the San Antonio-headquarted company. Specifically, Schwab, based in San Francisco, agreed to buy USAA Investment Management Co. for $1.8 billion. It is uncertain how this transaction will impact Victory Capital’s efforts.

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8 Retirement Planning Red Flags

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If something doesn’t seem right in your retirement savings strategy, the best time to figure out where improvements could be made is now. Catching pitfalls early can help you secure a comfortable retirement later. Here are some warning signs that something might be wrong with your retirement plan, as well as simple fixes to get back on track.

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Third Quarter Trading in Review

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The volatility that is often associated with the month of October has arrived with the market sell-off on Wednesday, October 10. Experiencing market declines and increased volatility can be unnerving for any investor, but if we can take a step back and see the big picture, that the market and economic environment remain positive, it can be easier to weather these challenging periods.

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2018 Midyear Outlook

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Presenting the LPL Research Midyear Outlook 2018:

The Plot Thickens, packed with investment insights and market analysis to guide you through all the action we may see in the year ahead.

When we as investors began 2018, we were tuned in to the recent fiscal policy changes that were
expected to propel economic activity and the financial markets higher in the coming year. The
handoff in leadership from monetary policy to fiscal policy was well underway as a driver of
consumer spending, business investment, and corporate profits. Instead of depending on the Federal
Reserve (Fed) to move this expansion forward, fiscal incentives are now critical for continued
growth, with the new tax law taking the lead.
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Is Your Retirement Money doing all it can do?

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You have managed to save as much as possible right?  Day in and day out, you maximize the heck out of your 401k.  Save money here, save money there.  Now its time for your big day.  Are you prepared?  Do you have the resources you will need to succeed in retirement?  These are serious questions and they deserve professional answers.  Let us take all the hoping and wishing out of the equation, and develop a plan that will have you more than prepared and excited when your day comes!  Here is a perfect example of  what we can do for you.  Take a look!

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6 Simple Steps to Improve Your Retirement Strategy

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It can be tough to imagine retirement when it’s far in the future. But the decisions you make now about saving and investing will impact the retirement lifestyle you get to live. To simplify the process, try spending a small amount of time, such as an hour or two, working on your retirement plan. You’ll find small changes often make a big difference later, when you’re ready to step into the next phase of life. Follow these steps to improve your retirement strategy.

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Lump Sum versus Regular Pension Payments

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So you’re on the verge of retirement and you’re faced with a difficult choice regarding the defined-benefit pension plan you’re fortunate enough to have:  Should you accept the traditional, lifetime monthly payments or take a lump sum distribution? Understandably, you might be tempted to go with the lump sum. After all, it may be the largest single disbursement of money you’ll ever receive. Read More

Dividing the Family Pie – Are Equal Slices Best?

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When planning the division of your assets, you may believe in a policy of “share and share alike.” This is perhaps the easiest method, and often the way to avoid conflicts and complaints of favoritism. But does equality necessarily equate to fairness? After all, fairness is only relative, especially when one considers factors such as age, talents/skills, interests, needs, and degrees of material success. A more practical approach to the division of assets may be one in which you recognize and compensate for differences in the abilities and needs of your children, even at the risk of producing some conflict. Through your estate plan, you have a chance to provide a measure of fairness that your children may not otherwise have found in their own lives.
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Boy? Girl? Or Tuition Payment?

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You just received the wonderful news that you and your spouse are going to become parents. Thoughts of the many adventures parenting will bring are swirling through your head. The last thing on your mind may be paying for college, but thinking about it now may save you later. The cost of a four-year degree at a private college can easily exceed $140,000 (Source: Trends in College Pricing-2009, The College Board).

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