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May 31, 2018

You retire only once, so its important to get it right the first time! But how do you know if you’re truly prepared financially.. to retire? According to an MIT Economist,  it starts by answering 8 essential questions with clarity, and confidence. Then there are several time-tested rules of thumb to determine if you...


May 30, 2018

Are bond mutual funds safe?  Are they a good source of retirement income? Do they belong in your portfolio, and is this a good time to own bond mutual funds and ETFs—Today we’ll review how the bond market works and how bond mutual funds can indeed lose money-- rather easily-- in a market like this. Also is it...


May 29, 2018

It’s 2018 and Americans are more burdened by student loan debt than ever! In fact, the average student loan debt for Class of 2017 graduates was $39,400*-- up six percent from the previous year.  You’ve probably heard the other scary statistic: Americans owe over $1.48 trillion dollars in student loan debt. That’s...


May 25, 2018

Do you know the five secrets to happiness in retirement?  Five major factors were repeated most often in a  recent study of 1,400 retirees in 46 states.  This study, combined with the University of Michigan Health and Retirement Study found that money DOES buy happiness up to a certain point, but once that dollar...


May 24, 2018

New research published in the Wall Street Journal has determined that the long-standing 4% withdrawal rule for retirement income has officially changed to the THREE percent rule. That's right--while you were minding your own business, you got a pay cut and it could be permanent if you continue to follow the conventional...