Putting Market Volatility to Work for You
During the 2008 financial crisis—from the market’s peak in October 2007 to its bottom in March 2009, the S&P 500® experienced more than a 50% drop in value.1 Not surprisingly, a great many people panicked upon seeing their account balances (a lifetime’s worth of savings) decimated. Deciding to “cut their losses,” they sold their stocks […]
The Role Diversification Plays in Managing Investment Portfolio Risk
One of the most widely used techniques to manage investment risk is diversification. During any economic situation—a booming economy or an economic recession—some investments will perform well and other investments may underperform. By incorporating a mix of investments into a portfolio, the risk and reward may balance out. Learn More >
Should you convert to a Roth IRA today?
Since being introduced in 1997, Roth IRAs have proven to be a very popular vehicle for saving for retirement. Recent tax law changes, specifically The Tax Cuts and Job Act of 2017, included provisions making Roth IRA conversions even more attractive. Current and anticipated economic impacts resulting from the COVID-19 pandemic has brought the opportunities […]
Comprehensive Financial Planning
This video explains how setting up a plan, or updating an existing one, can put clients’ on a path to achieve the financial future they envision. Watch the Video >
Four Keys to Effective Pre-Retirement Income Planning
Income planning involves a great deal more than just saving enough—it takes careful planning that considers unique retirement risks such as longevity, rising healthcare costs, and sequence of return risk (the risk that negative returns in the early years of retirement can have a major impact on the ability of your savings to last throughout […]
Making Your Social Security Claiming Decisions
Even if you have saved diligently for retirement over the years, you do not want to make the mistake of underestimating the financial importance of Social Security. In 2024, the maximum monthly Social Security benefit for someone retiring at their Full Retirement Age (FRA) is $3,822. Over the course of a 25-year retirement, that monthly […]
5 Financial Planning Questions to Ask Yourself
Five key questions clients’ should ask themselve when thinking about financial planning. Watch the Video >
What is an Advance Directive and Why You Need One?
The painful decisions that some family members needed to make for loved ones as a result of the COVID-19 pandemic brought the importance of having a formal advance directive in place to the forefront. Decisions around the need to intubate, use of a ventilator, or conversations with family members about end of life decisions are […]
The Importance of an Emergency Fund
Most of us are creatures of habit. We find a certain comfort and safety in the predictability of our day-today lives. Unfortunately, that also means we tend to avoid thinking about or planning for unexpected and unwelcome changes. But change—sometimes drastic in nature—is inevitable from time to time. Whether it’s the sudden loss of a […]
The Four Pillars of Comprehensive Financial Planning
This video reinforces the importance of a sound financial plan. This holistic view of a client’s financial life can help them protect their wealth, feel confident about retiring, leave the legacy they want, and achieve other critical goals. Watch the Video >
