Bondholders of Bankrupt Companies & 7 Bond Risks

Bankrupt Bond Companies Seniors like bonds due to the fact they'll presumably offer a gradual financial gain, diversify a stock portfolio, and are backed by the insurer’s monetary strength; however things don’t necessarily go as planned. Firms often have money issues and must file for bankruptcy. Investors holding bonds in bankrupt firms will, at a [...]

Bondholders of Bankrupt Companies & 7 Bond Risks2019-09-20T12:42:32+00:00

Financial Service Firms & Managed Accounts

FINANCIAL SERVICE PROVIDERS & TRUST What’s most significant to you when it comes to selecting a financial services provider? According to the results from many recent surveys, trust was named as the most significant issue for evaluating financial services providers; outranking client service, performance, and variety of product. But how do you judge trustworthiness? Some financial service firms might present their experience and assets under management to convey their commitment to building trust with potential clients. But [...]

Financial Service Firms & Managed Accounts2019-09-20T17:50:13+00:00

Outliving Your Money & Annuities

OUTLIVING YOUR MONEY Could underestimating your longevity mean you’ll run out of retirement money? At age 65, the average life expectancy is 84 years for a man and 86.5 years for a woman. At age 75, the average life expectancy is 86.6 years for a man and 87.6 years for a woman.1 With recent advances [...]

Outliving Your Money & Annuities2019-09-20T17:54:31+00:00

Planning Ahead For Your Spouse For When You’re Gone!

This is a delicate subject to write about. No one wants to have to plan for a time when we’re no longer here. But as an advisor to retirees, I have a responsibility to try and help you avoid catastrophic mistakes, the results of which would be suffered by your family. The reason I bring [...]

Planning Ahead For Your Spouse For When You’re Gone!2019-09-20T18:01:11+00:00

Living To 100 & Long Term Care

LONGEVITY Live to 100. Sounds great. But what are the downsides? “How can there be downsides?” you may ask. After all, you’d have more time to golf, go fishing, and spend with the all the things that you dreamed of doing when you retired. Well, the risk may be that if you hadn’t planned [...]

Living To 100 & Long Term Care2019-09-20T18:03:59+00:00

Do You Know What Your House And Valuables Are Worth?

Can you lower your property taxes? There's an old saying. Take care of the pennies and the dollars will take care of themselves. I'll begin with a thought of where you can look for money under the proverbial mattress. Your house and what you pay in taxes! As property values have increased significantly in many [...]

Do You Know What Your House And Valuables Are Worth?2019-09-20T18:08:46+00:00

13 Most Common Mistakes Investors Make

 Mistake No. 1: Procrastination. There is no better time to invest than right NOW. According to a Google search for- ‘market timing’ - you’ll get about 22 million results. Virtually all respectable sources will tell you it can’t be done successfully over an extended period of time. The irony is the longer you wait to [...]

13 Most Common Mistakes Investors Make2019-12-20T18:13:03+00:00

Placing Your Wealth At Risk & Titling Assets

Even though the federal estate tax laws were recently changed (to the benefit of many individual taxpayers), estate taxes could still pose a major threat to your overall wealth. With highest estate tax rates as high as 40%. protecting your estate from the ravages of estate taxation (not only for now but for the future), [...]

Placing Your Wealth At Risk & Titling Assets2019-09-25T18:36:08+00:00

Are you Worried About Your Finances?

Do you find yourself worrying about your finances? While you may think that your situation is unique, you may, in fact, be among the majority of seniors who worry excessively about money. A recent survey by the publishers of Senior Market Advisor1 revealed several seniors’ responses to the question “How much do you worry about [...]

Are you Worried About Your Finances?2019-09-14T00:20:02+00:00

Taxable VS Qualified Accounts

When it comes time to tap your savings and investment accounts, clients often wonder which source should come first. In general, many experts advise investors to draw from their taxable accounts first, then tap qualified accounts such as IRAs and 401(k)s further down the road. There is a logical reason for this--prolonging withdrawals from your [...]

Taxable VS Qualified Accounts2019-09-13T23:58:04+00:00