CategoriesFinancial QB TV Videos, Investor Behavior, Retirement, The Stock Market, Using A 401(k) by

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

CategoriesFinancial QB TV Videos, Retirement, Retirement Income by

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
CategoriesEconomics, Financial Planning, Financial QB TV Videos, Income Planning, Retirement Income by

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

CategoriesLife Insurance, Retirement Income, Risk by

Life Insurance Is an Investment!

What’s the best way to invest in your future?

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

Why & How to Retire Early
CategoriesArticles/Publications, Retirement, Retirement Income by

Why and How to Retire Early

Are you faced with (or hoping for) an early retirement?

Then you’ll want to do your homework to learn how to retire early without hurting your finances.

According to a study from the Employee Benefit Research Institute, nearly 50% of workers plan on retiring after the age of 65 to collect maximum social security benefits. However, only 19% end up staying that long.

Most of the time, early retirement can be attributed to unexpected events such as poor health, economic downturn, loss of employment, or family issues. However, with the right planning and budgeting, you can retire early on your own terms. Read More

Are Annuities Worth It?
CategoriesAnnuities, Articles/Publications, Retirement, Retirement Income by

Are Annuities Worth It?

Most financial advisors either love them or hate them.

Are annuities the right retirement option for you?

Are you planning for retirement?

If so, you may be thinking, “How do I convert that money I set aside during my years of work into ongoing income?” The financial industry does not suffer from a lack of choices when it comes to investments and, quite often, annuities can be an appropriate option in retirement.

Yet probably no product in existence  generates so many reactions as annuities.

Before you invest in them, however, there are many different things to consider. Keep reading to learn more about what annuities are, the types of annuities, and how to determine if it’s a good investment for your future. Read More