Elevation Capital Strategies

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So far Elevation Capital Strategies has created 32 blog entries.

Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses

As you begin the retirement planning process, it’s important to have a strategic income plan with regard to Social Security benefits. It is particularly important for married couples to consider not only when the primary breadwinner should begin drawing benefits but also how that start date could affect a spouse whose benefit is derived from [...]

By |2019-09-10T14:17:28-07:00September 10th, 2019|Financial Health|Comments Off on Social Security Benefits: Spouses, Ex-spouses and Surviving Spouses

Tech Talk: Energy Innovation, Machine Learning and Artificial Intelligence

Technology is the largest single segment of the stock market — bigger than the industrial and financial sectors. It’s also an industry of constant innovation and unlimited potential, presenting enormous investment opportunities for both institutional and Main Street investors. This is great for tech companies needing substantial capital to fund research and development for new [...]

By |2019-09-12T12:23:48-07:00September 3rd, 2019|Financial Health|Comments Off on Tech Talk: Energy Innovation, Machine Learning and Artificial Intelligence

Why Buy an Annuity When the Market is Up?

Perhaps you are familiar with an annuity. The basic premise is that you convert a lump sum of money into a stream of income. Unlike an investment, once you commit a fixed amount of money to the insurance company, that company is contractually obligated to provide you a minimum level of income with the option [...]

By |2019-09-03T12:21:36-07:00August 27th, 2019|Financial Health|Comments Off on Why Buy an Annuity When the Market is Up?

Challenges in the Health Care System

The older we get, the more likely we are to need medical care, which is why health insurance premiums are higher for mature adults.1 Unfortunately, most doctors are given the least medical training in caring for older adults.2 Medical schools focus a fraction of their curriculum on older adults, though older adults represent a higher [...]

By |2019-08-20T10:04:23-07:00August 20th, 2019|Financial Health|Comments Off on Challenges in the Health Care System

Don’t Avoid Family Conversations About Money

One of the first discussions a young couple may have when starting a family is about affordability. How will they pay for child care? Will one spouse quit their job to stay home and raise the child? Here are a couple of interesting facts that may enter that equation:1  The average income for first-time mothers [...]

By |2019-08-15T16:06:36-07:00August 13th, 2019|Financial Health|Comments Off on Don’t Avoid Family Conversations About Money

Assessing your Mortgage Situation in Retirement

When it comes to retirement preparation, a common benchmark goal is having one’s mortgage paid off. This typically removes a large, ongoing payment from the budget and can reduce retirement expenses substantially. Some people even schedule their retirement just after their final payment date.   Here’s an even better idea: Schedule your retirement date six [...]

By |2019-08-07T16:44:04-07:00August 6th, 2019|Financial Health|Comments Off on Assessing your Mortgage Situation in Retirement

2019 Midyear Outlook

Kiplinger recently noted that the U.S. stock market appeared more resilient than ever, having bounced back from a devastating end of 2018. Employment remains relatively steady, inflation flat and the Fed has indicated reticence to increasing interest rates through the end of the year. In fact, the only headwinds for the rest of the year [...]

By |2019-07-30T19:27:13-07:00July 30th, 2019|Financial Health|Comments Off on 2019 Midyear Outlook

Stock Market Roundup: What to Watch

Between 1926 and 2018, the S&P 500 experienced double-digit annual losses only 11 times. Not only did the market recover, but the index has never permanently lost ground in any rolling 15-year period during that timeframe.1 While past performance is no guarantee of future results, that bit of history is good for stock investors to [...]

By |2019-07-23T21:34:38-07:00July 23rd, 2019|Financial Health|Comments Off on Stock Market Roundup: What to Watch

Retirement Planning Challenges

In 1985, only 10 percent of people aged 65 and older were either in the workforce or job hunting. Today, that share has doubled, for a couple of reasons. First, fewer 65-year-olds have enough money to retire. Second, the number of people in this demographic with a college degree has more than doubled (53 percent [...]

By |2019-07-16T21:35:04-07:00July 16th, 2019|Financial Health|Comments Off on Retirement Planning Challenges

All About Homeowners Insurance

According to Zurich North America’s chief claims officer, natural hazards are more common and more damaging than in the past. The time to act and reduce future risk is now, particularly when it comes to nationwide infrastructure. For example, U.S. roads and bridges were simply not built for the severity and frequency of storms and [...]

By |2019-07-09T16:33:42-07:00July 9th, 2019|Financial Health|Comments Off on All About Homeowners Insurance