Stop ESG Investing

If you are saving for retirement (or retired) it is in your best interest to get as much out of your investments in the stock market as possible. You should always eliminate political virtue signalling from your investment decision-making.

ESG stands for Environmental, Social and Governance. The strategy means investing in companies that score high on these factors as determined by a (usually biased) third-party company or group. The assumption is that the better a company’s ESG score is, the better their overall performance.

ESG investing sounds great. It also makes you feel good about the investments you make and should help you sleep better at night. But it may not be all that it seems, especially for investors who don’t fully understand what it is and how it works. Read More

Are You Considering Delaying Retirement

Have you been thinking about delaying retirement?

If so, you’re not alone. According to a recent survey of American workers, more than half of those surveyed said they plan on working past the age of 65. But why?

  • Is it because people are getting living longer?
  • Do you need to work longer to save up enough money to retire?
  • Is it that rapid inflation means retirement is going to cost more?
  • Are just plain scared of what happens when you stop working?

Read More

Retirement and Recession

What Should Retirees Be Concerned With During A Recession

We are now officially into a full-fledged recession based on the data from the last two quarters. So welcome to Recession 2022 – The New Economy.

For the last few months, we have participated in several forums and conferences speaking about recessions and its effect on markets, your finances, retirement, and the opportunities that investors may have. Read More

How Do I Maximize My Social Security Benefits?

How Do I Maximize My Social Security Benefits?

If you’ve worked for any portion of your life, you’re probably looking forward to the day when you can retire and collect your social security benefits. But you’ve also probably spent some time worrying if social security will be enough to cover your expenses.

Luckily, there are ways to maximize those benefits. Read More

Retirement Planning: Why There’s No Such Thing as a One-Size-Fits-All Retirement

If your household earns over $30,000 per year, you are going to  need more than social security to keep up your lifestyle in retirement. This is why many financial advisors recommend saving enough to replace 80% or more of your pre-retirement income.

When it comes to retirement planning, most people think a one-size investment strategy fits all. Here are three reasons why retirement planning does—and should—work differently for different people. Read More

Tax Diversification: Less Taxes, More Retirement Income

Do you want to reduce your taxes and increase your savings and income for retirement? Of course you do!

One such method is tax diversification. You may not be familiar with what this entails, which is why we’re here. If you want to find out everything from what tax diversification is to different tax diversification strategies, keep reading below for everything you need to know. Read More