INVESTMENT RISKS

Do Your Investments Match Your Risk Tolerance?

When was the last time you looked at the content of your portfolio? From time to time, it is a good idea to review how your portfolio assets are allocated – how they are divided among asset classes. At the inception of your investment strategy, your target asset allocations reflect your tolerance for risk. Over […]

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Taking Charge of Your Financial Life

Delegating responsibilities to others may lead to problems down the road. When you are putting together a household, it isn’t unusual to delegate responsibilities. One spouse or partner may take on the laundry, while another takes on the shopping. You might also decide which one of you vacuums and which one of you dusts. This […]

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Social Security

Top Things to Know About Social Security

If you are approaching retirement, it’s important to know about all your options. You probably already have an IRA or 401(k) for your eventual retirement. However, there is also the option of Social Security (SS). There are certain facts to know about it. SS Isn’t Going Bankrupt In spite of the rumors that SS is […]

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female retiring single

Preparing to Retire Single

Unmarrieds need to approach retirement planning pragmatically.                 In an ideal world, it would be simple to prepare for a solo retirement.You would just save half as much as a couple saves, buy half as much insurance coverage, and expect to live on half the income. Reality dictates […]

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financial stress

Debts Put Stress on Boomer Relationships

Financial worries are creating problems for baby boomers. Debts incurred by one partner or both partners are one of the main sources of financial worries. There was a recent poll taken by “Fidelity” that analyzed how money problems affected baby boomer relationships.   There were 1,662 couples polled for the survey. Thirty-nine percent of the […]

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How to Develop Smart Spending Habits

The importance of developing smart spending habits is critical at any stage in life. However, when you are retired and living on a fixed income, the matter of moderating spending becomes even more critical. Many seniors are faced with a dire financial situation at some point because of overspending. Fortunately, there are some smart steps […]

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Raiding Your Retirement to Pay for Caregiving

Recent research indicates that 20 percent of those caregiving a family member or friend due to illness or age have been forced to use retirement funds to cover the cost. While these acts of sacrifice are understandable, they are often done without looking into alternative resources that can ease the financial load. The Transamerica Institute […]

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Enjoy the Rally, But Prepare for the Retreat

Investors may be lulled into a false sense of security by this market. Will the current bull market run for another year? How about another two or three years? Some investors will confidently say “yes” to both questions. Optimism abounds on Wall Street: the major indices climb more than they retreat, and they have attained […]

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Will You Be Prepared When the Market Cools Off?

Markets have cycles, and at some point, the major indices will descend.  We have seen a tremendous rally on Wall Street, nearly nine months long, with the S&P 500, Nasdaq Composite, and Dow Jones Industrial Average repeatedly settling at all-time peaks. Investors are delighted by what they have witnessed. Have they become irrationally exuberant?  The […]

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