The answer is “YES”, although the circumstances have to be extraordinary. Globally, only a few markets have gone to zero. The largest was Russia in 1917 and China in 1949. While other markets have collapsed, they have subsequently recovered. Read More
Life insurance is an investment…in more ways than one.
For all its benefits, only 54% of Americans have some form of life insurance, which means there’s a pretty good chance that you’re one of the millions of adults without this vital form of coverage.
Perhaps you think you can’t afford it. Or you’re overwhelmed by all the options in the marketplace. Maybe you simply don’t like thinking about your own mortality.
However, I think more people should review life insurance as part of their overall retirement and family planning. Read More
March is Women’s History Month and, because of that, we’d like to highlight some opportunities for women to manage their path towards retirement.
Just like a properly organized playbook for a big game, a great strategy will help nearly anyone through the difficulties they may face in both preparing for retirement and staying retired. Read More
Living on one income doesn’t necessarily mean sacrificing what’s most important to you. By planning and saving smartly, single income families like yours can reap benefits now and later.
Having kids, paying for college, financing a home, and paying for retirement are all within reach when you follow a few simple steps.
Did you know that 48% of older Americans have no savings in retirement plans (such as an IRA or 401k)? If you’re one of them, there’s a good chance that you’ll face very serious financial issues as you grow older.
The good news is that it’s never too late to get started! Once you understand the must-know retirement plan basics, you can open an account and start putting money away for your future.
Stick with us as we answer important questions like “What is a 401k plan?” and “How does a 401k work.” By the time we’re done, you’ll feel confident opening up one of your own. Read More
Investors have a tendency to only want advice that makes them feel good. They want a quick fix. Here is the quick fix… Good advice never changes while markets and opportunities change daily. Stay focused on your plan and you will be successful long-term. Read More
Opportunity cost is what you lose by choosing one alternative over another. Money has opportunity cost and when it comes to retirement, it can be very expensive. Read More
by Richard E. Reyes, CFP
by Richard E. Reyes, CFP
You CANNOT afford not to have a plan for long-term care. Here is some realistic answers to common misconceptions people think about. Read More
