Retirement Planning Challenges

By |2019-07-16T21:35:04-07:00July 16th, 2019|Financial Health|

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 [...]

Comments Off on Retirement Planning Challenges

All About Homeowners Insurance

By |2019-07-09T16:33:42-07:00July 9th, 2019|Financial Health|

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 [...]

Comments Off on All About Homeowners Insurance

More Tax Considerations For 2019

By |2019-07-02T16:42:24-07:00July 2nd, 2019|Financial Health|

According to IRS estimates, taxpayers collectively pay about 82 percent of taxes they legitimately owe. This amounts to about $458 billion annually in lost taxes, based on data from 2008 to 2010.1 Of course, we do not recommend strategies to avoid legitimate tax liabilities. However, it is important to stay current with the constantly evolving [...]

Comments Off on More Tax Considerations For 2019

Notes on Social Security

By |2019-06-25T18:37:23-07:00June 25th, 2019|Financial Health|

The Federal Trade Commission (FTC) reports that Social Security beneficiaries have lost $6.7 million in two months resulting from a new, highly effective scam. This is how it works: Someone calls you and says they are with the Social Security Administration (SSA), stating they regret to inform you that your Social Security payments have been [...]

Comments Off on Notes on Social Security

Tech Trends

By |2019-06-18T18:51:31-07:00June 18th, 2019|Financial Health|

There are different formulas for launching highly successful companies. First, create a product that solves a problem that no one knew they had — for instance, how online search engines replaced encyclopedias. Then, there are ideas that help solve problems that plague millions of people. Back pain, for example. Not only do approximately eight in [...]

Comments Off on Tech Trends

Don’t let presumed costs deter your insurance decisions

By |2019-06-11T20:55:15-07:00June 11th, 2019|Financial Health|

The No. 1 reason to purchase an insurance policy is to cover expenses that would otherwise create a financial hardship for you or your family. Many policies are often employer-sponsored, but if you don’t have access to affordable options or would like to review potential financial vulnerabilities that could be covered by insurance, please give [...]

Comments Off on Don’t let presumed costs deter your insurance decisions

Boosting Financial Literacy is a Top Priority

By |2019-06-05T23:34:58-07:00June 4th, 2019|Financial Health|

Financial literacy has always been a challenge. However, now that much of the burden of retirement income has shifted to employees instead of employers, it is all the more important that we begin teaching the principles of saving and investing to people as early as possible.1 In a recent survey, 44 percent of Americans said [...]

Comments Off on Boosting Financial Literacy is a Top Priority

The Wealth Report – March 1st, 2019

By |2019-03-08T22:50:48-08:00March 8th, 2019|Wealth Report|

In one of our portfolios we recently moved into a fund covering the Europacific region. If you noticed a recent investment in AEGFX, the American Funds Europacific Growth Fund, you may be thinking, "Why more international? Why now?" The beginning of 2019 has been very different than the end of 2018. Because international was down [...]

Comments Off on The Wealth Report – March 1st, 2019

Food for Health

By |2019-06-04T22:49:12-07:00August 21st, 2018|Financial Health|

We love our bacon. In recent years, this pork delicacy has seen a resurgence in popularity alongside new ways to enhance recipes ranging from bacon-infused macaroni and cheese1 to the not-quite traditional bacon-wrapped holiday turkey.2But just because something is popular doesn't mean it's good for you. According to the World Cancer Research Fund, one way [...]

Job Trends

By |2019-06-04T22:49:12-07:00August 14th, 2018|Financial Health|

For decades, young people were told college was the surest route to financial success as an adult. Get a degree, get a good job.However, this formula seems to be broken. During the recession, jobs for recent college graduates were scarce, causing many to continue their higher education and sink deeper into student loan debt. With [...]