Pathway® is a financial planning and investment program focused on early and mid-career professionals. Planning for this demographic is crucial, given working professionals experience major life events so frequently. Read More
Event + Reaction = Outcome
Jack Cranefield (author of The Success Principles) believes that highly successful people are particularly capable of influencing outcomes by controlling their own reactions to events, rather than controlling the events themselves. And I think he’s on to something! Read More
Captain Obvious
So, here we are just barely 7 weeks into the new year and stocks have been on fire. Some of our all-equity portfolios are up over +13% year-to-date. The S&P 500 is up almost 11% thus far. At the risk of sounding like “Captain Obvious”, I’m going to say this trajectory of returns is probably unsustainable throughout 2019. Read More
2019 Planning: Changes to Retirement Plan Limits, Medicare, and Social Security
As 2019 is underway, it’s important to review changes that impact investors – both accumulators and retirees. For those who are still working, the IRS recently released contribution adjustments for retirement accounts, like 401(k) plans and IRAs. Read More
Medicare Open Enrollment – Coming Soon!
We are quickly approaching the annual Open Enrollment period for Medicare. Open Enrollment begins October 15th and ends December 7th. It is an important time to review both your current Medicare Part B supplement plan (i.e. “Medigap”) and Part D prescription drug coverage. Read More
Social Security Part 6: When to File and Remaining Strategies
Over the last several months, we’ve covered the ins and outs of Social Security. In this final post for our blog series we’re discussing the decision on when to file for benefits. Read More
Money Market Funds Attractive Again
For the better part of a decade, money market funds have simply not been attractive to investors at all. These cash funds maintain a $1/share price and provide daily liquidity. Historically, investors have used them as a reserve for living expenses, emergency funds, short-term needs, etc. Read More
Social Security Part 5: How Your Benefits May Be Reduced
Up to this point in our Social Security blog series, we have covered the core components of Social Security, including eligibility, different benefits that are available, and how benefits are taxed. Read More
Social Security Part 4: Taxation of Benefits
Thus far in our Social Security blog series, we have covered the basics of how retirement benefits are calculated and how individuals become eligible for Social Security. We have also discussed benefits available for spouses, surviving spouses, and family members. Read More
Social Security Part 3: Benefits for Family Members and Survivors
Our last post discussed the Social Security benefits available to spouses. Today’s post will focus on what happens when an individual receiving Social Security passes away, and the benefits surviving spouses and other family members may receive. Read More
Is Financial Synergies Right for You?