3 Government Policies that Destroy Retirement

As a financial advisor, I’m sometimes told to be ‘neutral’ about politics when discussing your money. But when it comes to securing your financial future, there’s no room for gray areas. Let’s talk straight about three policies that, no matter who promotes them, won’t help you retire better.

Higher Taxes: There’s simply no way that paying more taxes will increase your returns or improve your retirement lifestyle. More taxes only mean more of your hard-earned money out the door and less for you to enjoy life.

Regulations in Banking and Investments: The more the government steps into the financial industry, the harder—and more expensive—it becomes for you to grow your wealth. This only distorts markets, raises your costs, and puts your retirement at risk.

Inflation: Inflation isn’t a mysterious force—it’s a result of government policies and printing money. When inflation rises, your dollar buys less, making everyday life, not to mention retirement, more expensive.

You deserve an advisor who’s not just going through the motions but actively working to reduce taxes, boost returns, and protect your freedom to live the life you envision. Retirement should be about what you want, not what gets taken from you.

 

 

 

 

Risk, Reward, and Time in Investment Decisions

Investment is an intricate dance of three crucial factors: risk, reward, and time. While it’s tempting to believe that mastering these components will unlock the secrets of a successful investment journey, there’s an inherent unpredictability that even the savviest investor cannot outrun. Let’s delve deeper into this and uncover why, despite our best calculations, the outcome remains an enigma. Read More

Unmasking the Debt Ceiling: A Political Stunt or Fiscal Reality?

The U.S. debt ceiling has been a hot topic of debate in recent years. Despite the serious overtones attached to this topic, is it possible that the hullabaloo surrounding the debt ceiling is more of a political maneuver rather than a genuine fiscal concern? Let’s delve into the history and the underlying constitutional provisions to find out. Read More

Social Security: Claim and Invest or Wait

As you approach retirement, one crucial decision you must make is whether to claim your Social Security benefits early and invest them or wait until age 70 to maximize your monthly benefit. This blog post will discuss the pros and cons of both options, taking into account factors such as delayed credits and the tax implications of receiving and investing Social Security benefits. Read More

Making This Tik-Tok Mistake

Let me tell you what the downside of social media is and why its destructive to your portfolio, especially for younger investors.

There is plenty of data and math available in reference to investing that’s pretty solid. No matter how much institutions and traders try to manipulate this information, the time-tested rules are always going to win out over time. Read More