“You can’t time the market” is an old maxim, but you also might say, “You can’t always time retirement.”
Market losses on the front end of retirement could have an outsize effect on the income you receive from your portfolio by reducing the assets available to pursue growth when the market recovers. The risk of experiencing poor investment performance at the wrong time is called sequence risk or sequence-of-returns risk. Continue reading “Sequence Risk: Preparing to Retire in a Down Market”
Both Roth Conversion and Roth Contributory Accounts can be used for contributions and rollovers, but there is one small advantage in keeping these items in separate Roth IRAs. Here’s why: Continue reading “WHY YOU MAY WANT BOTH A ROTH CONVERSION AND ROTH CONTRIBUTORY ACCOUNT”
Note: There is an assignment at the end of this 🙂
I am sharing this great article, from my colleague, Jean Long Manteufel, who is CEO of Transitions with Jean. She helps Seniors make transitions in their living quarters, be that making their homes saver, or moving to assisted living. She always has valuable insights to share. Please read on about some ways to “transition” our holiday celebrations! Continue reading “Put Your Thinkin’ Caps On!”
During the holiday shopping season, your credit score is probably the last thing on your mind. But as you start your seasonal spending, remember to use credit wisely so you can start the new year with a healthy credit score. The following tips can help you maintain or potentially improve your credit score throughout the holidays and beyond. Continue reading “How to Help Maintain a High Credit Score”
In early 2020, 61% of U.S. workers surveyed said that retirement planning makes them feel stressed.1 Investor confidence was continually tested as the year wore on, and it’s likely that this percentage rose — perhaps even substantially. If you find yourself among those feeling stressed heading into the new year, these tips may help you focus and enhance your retirement savings strategy in 2021. Continue reading “Five Tips to Regain Your Retirement Savings Focus in 2021”
As an advisor and as a fiduciary, it is my job to keep you informed and provide solid information. I wanted to share this article from my partners, that helps shed some light on recent volatility.
Flash – October Market Volatility12 (003)
We just wanted to share our Fall Newsletter here, with our personal message. Thanks for visiting and for reading.
FallInvestment Planners 3Q20
A nice overview of the Market Movement in the 3rd Quarter, July – September 2020. Simply click on the link below.
3rd Quarter 2020 Market Review
The annual Medicare Open Enrollment Period is the time during which Medicare beneficiaries can make new choices and pick plans that work best for them. Each year, Medicare plan costs and coverage typically change. In addition, your health-care needs may have changed over the past year. The Open Enrollment Period — which begins on October 15 and runs through December 7 — is your opportunity to switch Medicare health and prescription drug plans to better suit your needs.
During this period, you can: Continue reading “Medicare Open Enrollment for 2021 Begins October 15”
Our colleagues at Dimensional Funds shared these stats with us, so we thought it a prudent time to share the information here, on our weekly blog.
- It’s natural for investors to look for a connection between who wins the White House and which way stocks will go. But as nearly a century of returns shows, stocks have trended upward across administrations from both parties.
- Shareholders are investing in companies, not a political party. And companies focus on servicing their customers and growing their businesses, regardless of who in the White House.
- US presidents may have an impact on market returns, but so do hundreds, if not thousands, of other factors – the actions of foreign leaders, a global pandemic, interest rate changes, rising and falling oil prices, and technological advances, just to name a few.
- Stocks have rewarded disciplined investors for decades, through Democratic and Republican presidencies. It’s an important less on the benefits of a long-term investment approach.
Continue reading “What History Tells us About US Presidential Elections and the Market”