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A Decision Not Made is Still a Decision

By |2019-06-14T19:31:15+00:00June 14th, 2019|Categories: Uncategorized|

A Decision Not Made is Still a Decision Indecision can lead to no decision. Investment inaction is played out in many ways, often silently, invisibly, and with potential consequence to an individual’s future financial security. Let’s review some of the forms this takes. Your workplace retirement plan. The worst non-decision is the failure to enroll. [...]

YOUR CHANGING DEFINITION OF RISK IN RETIREMENT

By |2019-05-22T13:33:20+00:00May 10th, 2019|Categories: Uncategorized|

During your accumulation years, you may have categorized your risk as “conservative,” “moderate,” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results. What occurs with many retirees is a change in mindset—it’s less about [...]

RETIREMENT INCOME AND THE TRADITIONAL PORTFOLIO

By |2019-05-10T16:28:03+00:00May 10th, 2019|Categories: Uncategorized|

Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in retirement can deplete your portfolio more quickly than you planned and potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern. [...]

TRADITIONAL VS ROTH IRA

By |2019-05-10T15:53:38+00:00May 10th, 2019|Categories: Uncategorized|

Traditional IRAs, which were created in 1974, are owned by roughly 35.1 million U.S. households. And Roth IRAs, created as part of the Taxpayer Relief Act in 1997, are owned by nearly 24.9 million households.1 Both are IRAs. And yet each is quite different. Up to certain limits, traditional IRAs allow individuals to make tax-deductible [...]

HEALTHCARE COSTS IN RETIREMENT

By |2019-05-22T13:34:32+00:00April 29th, 2019|Categories: Uncategorized|

About 70% of American workers are confident they will have enough money to pay for medical expenses in retirement. In a 2018 survey, 30% of all workers reported they were “not too” or “not at all” confident they would have enough money to pay for their medical expenses in retirement.¹ Regardless of whether you’re confident [...]