Financial Planning

Stock Market Roundup: What To Watch

Stock Market Roundup

Between 1926 and 2018, the S&P 500 experienced double-digit annual losses only 11 times. Not only did the market recover, but the index has never permanently lost ground in any rolling 15-year period during that timeframe. While past performance is no guarantee of future results, that bit of history is good for stock investors to…

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Why Buy An Annuity When The Market Is Up

Annuity

Perhaps you are familiar with an annuity. The basic premise is that you convert a lump sum of money into a stream of income. Unlike an investment, once you commit a fixed amount of money to the insurance company, that company is contractually obligated to provide you a minimum level of income with the option…

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Assessing your Mortgage Situation in Retirement

When it comes to retirement preparation, a common benchmark goal is having one’s mortgage paid off. This typically removes a large, ongoing payment from the budget and can reduce retirement expenses substantially. Some people even schedule their retirement just after their final payment date. Here’s an even better idea: Schedule your retirement date six months…

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Boosting Financial Literacy Is A Top Priority

Financial literacy has always been a challenge. However, now that much of the burden of retirement income has shifted to employees instead of employers, it is all the more important that we begin teaching the principles of saving and investing to people as early as possible In a recent survey, 44 percent of Americans said…

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Bull Market Turns 10

March 9, 2019, marked the 10th anniversary of the current bull market, the longest-running in U.S. history. In that decade, the market more than quadrupled, and when you factor in dividends, it’s up fivefold. The short-term spikes over the past few years coupled with corporate share buybacks have served to keep performance humming. As we…

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Annuity Strategies That Keep the Income Flowing in Retirement

More than 90 percent of American workers in their 50s don’t have a pension and 46 percent don’t participate in an IRA or 401(k) at work. A recent study found four in 10 middle-class Americans will likely live on or below the federal poverty line by age 65. Many experts say annuities may be appropriate…

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Don’t Leave Your Long-Term Care Plan to Chance

According to new research from Genworth, one of the nation’s leading long-term care insurance companies, Americans are both entering caregiver roles and requiring care at younger ages. Among the study’s findings: Nearly half of family caregivers now are men The average age of a family caregiver is 47 (down from age 53 in 2010) 57%…

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Look ahead while looking back at 2018

If you didn’t adjust your tax withholding in early 2018, you might be in for a surprise when completing your tax return this year. A lot of people opted for the “wait-and-see” approach to determine if the Tax Cuts and Jobs Act would impact their return. Initially, the Tax Policy Center projected the new legislation…

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Stability Grows For Emerging Markets

Thirty years ago, developed markets were seen as much more stable than smaller, emerging countries. But as political division and uncertainty permeates the West, the differences have faded, and emerging markets (EM) have shed the high-risk perception that accompanied foreign investment. Sound government situations, conservative monetary policy and lower levels of debt were once staples…

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