• Boost Your Savings With These Three Resolutions in 2019

    Successful goal-setters will tell you that one secret to achieving your objective is making it as specific as possible. If you do just a couple of small things differently and be consistent over the long haul, you can put yourself on the road to long-term prosperity. Establish some financial resolutions with a laser focus.

  • Resolving to Save: New Year’s Resolutions That Don’t Punish Your Wallet

    New Year’s resolutions: those solemn promises that we make to ourselves. January tends to be the biggest month of the year for sales of gym memberships and signups for nutrition products. Let’s take a look at some lower-cost alternatives that could help you get the same results.

  • Naughty or Nice? Notes on Current Market Conditions

    What should investors make of all this market volatility? As I frequently remind my clients, when the market environment looks worrisome, it’s important to maintain a disciplined, strategic approach, rather than reacting emotionally. Follow three principal concepts that help investors stay on track, even during turbulent markets.

  • Inverted Yield Curve, So What?

    The markets just don’t send us clear signals about what they’re going to do, despite what you read, even though quick-twitch traders seem to be selling at the moment. What the press has pointed out is that the three-year rate of 2.84% is slightly higher than the five-year rate of 2.83%—a very small inversion in a very small part of the overall curve.  By the time you read this, the 5-year may again be yielding more than the 3-year.

  • Retirement Income: Looking at the Whole Picture

    The most vital step in retirement planning is looking ahead to anticipate, as much as possible, what your income needs will be. You should project those needs well beyond the immediate future, especially since people are living longer and longer after retirement. A financial planner can help you see the forest beyond the trees and get a full picture of your retirement wellness.

  • Making Your Charitable Gifts Count

    This time of year, many of us feel charitable toward our fellow humans, perhaps even more than usual. Most of us have particular causes or entities we care about and want to support, but it’s also important to exercise careful judgment with our charitable giving. Here are four ways to avoid some common pitfalls.

  • Deductions for Investment Fees? Well, It Depends…

    With the passage of the 2018 tax law, investment fees, along with most other itemized deductions, are no longer available to reduce taxable income - but there are exceptions. Questions about investment fees and their deductibility, your IRA accounts, or other financial matters should be answered by an accredited, licensed financial advisor.

  • 2019 Changes to Retirement Plan Contribution Limits and Social Security Benefits

    The U.S. government changes a variety of investment and benefits thresholds based on the inflation rate. For 2019, we’ll see significant changes to the savings threshold – including for 401(k)s and Traditional and Roth IRAs – and cost-of-living and retirement age adjustments for Social Security beneficiaries. Here's what you can expect.

  • Good Balance Matters: Rebalance to Keep Your Portfolio on Course

    We constantly urge the people we advise to remember the importance of maintaining a proper mix of different types of assets and careful, ongoing adjustment of that mix to keep them on the path we agreed on when they began investing. There are two important principles at work: diversification and rebalancing. Diversification is what sets you on your course, and rebalancing is how you stay there. Here's how rebalancing works, and why it matters.

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