Important Birthdays Over 50

Most children stop being "and-a-half" somewhere around age 12. Kids add "and-a-half" to make sure everyone knows they're closer to the next age than the last. When you are older, "and-a-half" birthdays start making a comeback. In fact, starting at age 50, several birthdays and "half-birthdays" are critical to understand because they have [...]

By |2023-11-10T08:46:42-05:00November 10th, 2023|Investment Center|0 Comments

The Cost of Procrastination

Some of us share a common experience. You're driving along when a police cruiser pulls up behind you with its lights flashing. You pull over, the officer gets out, and your heart drops. “Are you aware the registration on your car has expired?” You've experienced one of the costs of procrastination. Procrastination can [...]

By |2023-11-08T08:42:41-05:00November 8th, 2023|Investment Center|0 Comments

Retirement Realities

Predicting exactly what your retirement will be like is about as possible as a meteorologist predicting the weather correctly every single time. In fact, few retirees find their financial futures playing out precisely as they assumed. But, understanding some of the more common assumptions about retirement may help you get closer to your [...]

By |2023-10-18T16:27:44-04:00October 18th, 2023|Investment Center|0 Comments

Navigating Retirement Pitfalls

Much is written about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Some classic financial missteps have been known to plague retirees, too. Calling them "missteps" may be a bit harsh, as not all of them represent errors in judgment. Either way, becoming aware of these potential pitfalls may [...]

By |2023-10-18T12:52:13-04:00October 18th, 2023|Investment Center|0 Comments

Retirement Income and the Traditional Portfolio

Taking withdrawals from a traditional portfolio exposes fixed-income investors to “sequence of returns” danger. In other words, experiencing negative returns early in retirement can deplete your portfolio more quickly than expected and potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help manage this [...]

By |2023-10-18T12:52:43-04:00October 18th, 2023|Investment Center|0 Comments

Assess Life Insurance Needs

If your family relies on your income, it's critical to consider having enough life insurance to provide for them after you pass away. But too often, life insurance is an overlooked aspect of personal finances. In fact, according to a 2023 study conducted by Life Happens and LIMRA, which closely follows life insurance [...]

By |2023-09-11T13:40:58-04:00September 11th, 2023|Investment Center|0 Comments

Choosing a Retirement Plan that Fits Your Business

If you have yet to develop a retirement plan for your business, or if you're not sure the plan you've chosen is the right one, here are some things to consider. How much can my business afford to contribute? The cost of contributions may be managed [...]

By |2023-09-11T13:48:46-04:00September 11th, 2023|Investment Center|0 Comments

REITs, Rates, and Income

Real estate investment trusts (REITs) can offer a consistent income stream that is typically higher than Treasury yields and other stock dividends (see chart). A qualified REIT must pay at least 90% of its taxable income each year as shareholder dividends, and unlike many companies, REITs generally do not retain earnings, which is [...]

By |2023-08-01T08:59:04-04:00August 1st, 2023|Investment Center|0 Comments