Blog

29
Sep

Should You Be Worried About Low Wage Growth?

Posted by | · | economics · financial planning

There’s no question that we have a healthy economy right now. At the time of this writing, the unemployment rate is at 4.4% and there are millions of job openings across the country. However, there’s one thing that isn’t pointing in the right direction, and that is the average hourly earnings of the American workers. […]

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22
Sep

What’s A Qualified Charitable Deduction?

Posted by | · · · | financial planning · investing

A Qualified Charitable Deduction is a great way to turn your excess RMD (required minimum distribution) into a tax-saving opportunity because it counts towards your required minimum, but doesn’t get taxed. In other words, if you have a traditional IRA, are over age 70 ½, and already plan on making a certain amount of charitable […]

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22
Sep

What’s the ‘Retirement Spending Smile’?

Posted by | · | financial planning

$275,000 – that’s how much Fidelity says today’s average 65 year old retiree should expect to pay in healthcare costs. A 6% increase over last year’s estimate.   While such a large number may come as shock to many, the fact that it’s spread out over about 20 years makes it seem a little less […]

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20
Sep

What’s A Spousal IRA?

Posted by | · · | financial planning · investing

You’re probably heard of an IRA (individual retirement account), but may not be as familiar with the concept of a spousal IRA. In this article we will briefly explain what a Spousal IRA is and how it works.   Spousal IRAs are actually just Traditional or Roth IRA’s that are funded by a person’s spouse […]

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19
Sep

Do You Have The Courage To Rebalance Your Portfolio?

Posted by | · · · · | investing

Rebalancing is the act of re-allocating your investments to match your target asset allocation. For example, a new retiree may have an asset allocation of 50% stocks 50% bonds meanwhile a young investor may have a more aggressive asset allocation of 90% stocks 10% bonds. However, over time, depending on how your investments perform, this […]

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19
Sep

What’s Bitcoin? Should You Buy Some?

Posted by | · · · · | investing

Almost everyone has heard of the magical currency known as bitcoin, but very few seem to understand where it came from or the purpose it serves within the financial markets.   You may have heard that last week it was trading at well over $4,000, plummeted to $3,000, and then returned back to $4,000 in […]

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18
Sep

What is Smart Beta?

Posted by | · · · · | investing

Smart Beta refers to the quasi-passive investment funds that rely on style tilts to produce (or attempt to produce) additional returns over the more traditional market capitalization weighted indexes. What?   In other words, rather than putting all your money in the S&P 500, these funds will use a different screening process to vary the […]

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17
Sep

What is Sequence of Returns Risk?

Posted by | · | financial planning · investing

Sequence of Returns Risk refers to the concept where negative investment returns in the early years of retirement could derail a person’s entire retirement plan. The reason being that the retiree would need to withdraw from his or her retirement accounts when the overall portfolio is at a temporarily decreased value. In other words, more […]

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16
Sep

How Much Life Insurance Do You Actually Need?

Posted by | · | financial planning

How much life insurance a person needs is somewhat subjective. Some stick to the $250,000 or $500,000 policy benchmark. Others apply the 5 to 10 times your salary rule of thumb. Both of which aren’t necessarily wrong, but could also be way off the logical mark.   So what do you before you jump to […]

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15
Sep

What’s a Yield Curve?

Posted by | · · · · | investing

A yield curve is a line that plots the current interest rates of bonds with different maturities (and usually of equal credit quality). The point of a yield curve is to see the relationship between short term, intermediate, and long term bonds. This visual can usually be categorized as three different types of yield curves: […]

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