“De-Risking.” This is a phrase you may hear more frequently as the market dips lower and lower.  It is a term often used when discussing how those who are near retirement can prepare when they know their future years of employment and wages are coming to an end, and their savings have dwindled dramatically due to stock market losses. The phrase references the idea of converting some of your stock investments to more stable assets. You should aim for preservation of principal, and a source of guaranteed income for as long as you live, regardless of stock market conditions. Call

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Review the basics


We try to educate our clients on annuities. Sometimes, it’s a good idea to review the basics. Click here to visit our annuities page. We’ve outlined information such as the different types of annuities, the nature of the underlying investment, the primary purpose of an annuity, the nature of the payout commitment, the tax status and the premium payment. It’s important to stay educated on annuities if you’re considering purchasing one. You can also reach out to us so we can discuss them with you and answer your questions. 

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While inflation has certainly been in the news a lot lately, one topic that hasn’t been discussed all that often is private pensions. Unlike Social Security payments, they typically don’t offer cost-of-living adjustments that keep up with inflation rates. State and local government pensions do typically offer cost of living increases, but this sometimes causes those who are in the private sector to assume their pensions do the same. This difference means that those receiving private-sector pensions may need to focus more on their future income stream in order to keep up. Call us, we can help you crunch the

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Food for Thought

Food for Thought

There was a great article in the Wall Street Journal this past week that discussed some interesting ideas. The current tight labor market, coupled with the remote and flexible opportunities in the job market, may make retirees think about going back to work in one form or another. Especially when you consider that working may have benefits other than fiscal. However some retirees “would return to the workforce, if only they weren’t held back by cognitive blind spots. These blind spots cause them to ignore the possibility of returning to the workforce—even if working at least part-time would make them

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Some Things Have Changed

“On the surface, retirement planning hasn’t changed all that much over the years. You work, you save and then you retire. But while the mechanics may be the same, today’s savers are facing some challenges that previous generations didn’t have to worry about,” says a recent CNBC article. We’ve touched on some of those challenges before. One significant change in recent years, that you’ll have to factor into your retirement strategy, is that life expectancy is up. People are living longer on average, and as a result, their savings might not last them the rest of their retirement. This is

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Tax rules

Tax Rules on Retirement Accounts

Tax-advantaged accounts, or qualified accounts, allow your portfolio to grow without the impact of taxes. This is a major benefit when it comes to saving for your goals. There are multiple retirement account options to choose from, and tax rules vary for each of them. Where you end up focusing your contributions may change over time depending on your life stage and tax situation. Contact us. We’d be happy to discuss with you options, how they relate to where you are in your planning today, and what your goals are for the future.

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Two FAQs

Two Frequently Asked Questions

Two of the most frequently asked questions when considering life insurance: What financial benefits will be available to survivors after your death What will their needs be?  These are the most common types of benefits: Social security and other retirement-related survivor benefits; life insurance; and other assets and resources.  Having these funds isn’t enough though. Knowing when they will be available is just as important. For example, social security survivor benefits are payable immediately to a surviving spouse with dependent children, but only after age 60 if there are no children. The availability of the life insurance benefit is important

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Slow and steady wins the race

Slow and Steady Wins the Race

“Slow and steady wins the race” is an idiom we’ve all heard. But you probably haven’t thought to apply it to planning for retirement. Taking a slower, more consistent approach often leads to a better outcome. It’s easy to forget this, and to take risks in an attempt to catch up. That’s not necessary. Remaining cautious with your retirement strategy and making sure you know all your possible options is important. Reach out to us to learn more. 

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What does it mean?

What Does it Mean to You?

We’ve received questions from some of our clients asking what a hike in the Fed rate means to them. As a result, we reached out to an investment strategist to see what they said. “This year’s expected series of rate hikes, the first since 2015, marks the beginning of Fed Policy normalization. But it also has increased market volatility and changed sector leadership so far this year.” This opinion is consistent with others’ views that this will likely mean more volatility and pressure in market valuations. If this is of concern to you, call us. We can tell you about

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Reminder to Take Advantage

With the due date for filing tax returns fast approaching, you may be getting ready to make your 2021 contribution to your IRA or other qualified account. While you are at it, why not make your 2022 contribution at the same time? That would allow your money to work for you for an extra 12 months! We have several options for contribution types that you may not be aware of and may offer you greater income streams than previous ones. Reach out to us to learn more. 

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