What 2022 taught us Three years ago this upcoming March, the whole World began shutting down. Since then, our focus has been inward and hoping to keep functioning in a rational manner. Unfortunately, there seems to be no compelling evidence that this chaos is subsiding. With all that said how do we wrap up [...]
To suggest that the so-called “experts” out there don’t have a clue what is going to happen in the future would be a gross understatement. Year end brings all the gurus out of the woodwork. As we close out 2022, there may be temptation to guess what happens next and make changes to your [...]
What have we learned? Now is a good time to reflect and reiterate (a) the market can never be timed, (b) declines of this size---if not of this speed—are as common as dirt, (c) you can never know how market crises will end, but you can be sure they will end, (d) equities/markets remain the [...]
I am convinced now more than ever that we humans are just hard-wired to believe that when the stock market is going up those companies value is going up as well and vice versa, when the stock price is going down the value of the company is decreasing. This translates into the investor wanting to [...]
Probably one of the most important questions I get, or some variation, is how much income do I need at retirement and how much savings will I need to support that amount? You will hear a common rule of thumb of 70% of your current income. As with all rules of thumb, some are good [...]
Remember retirement is an adventure, not a destination. That was the mantra I learned riding motorcycles years ago. We spend a lifetime working and investing to reach our retirement goals. Once we are retired, our investment strategy doesn’t stop. You may need to refocus but it’s not the endgame. You are now in a phase [...]
No matter what your age or how much money/wealth you’ve accumulated, you need an estate plan to protect yourself, your loved ones and your assets- both now while you’re still active as well as after your death. Understand the essential before you plan: Will: A will simply provides instructions for distributing your assets to your [...]
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The typical retirement dream involves riding off into the sunbelt, golf clubs and beach umbrella in hand. However, the reality is that the majority of retirees never leave home. Most people opt to age in place, or if they do move, they find a smaller house near their old neighborhood. Only about 7 percent of [...]
