What Do Low Interest Rates Mean for Stock Returns?
Interest rates are one of the key tools that the Federal Reserve has to manage the economy. Changing how much it costs to borrow money can slow down an economy or give a the economy a nudge.Read More
2021 – Q2 Quarterly Market Review
2020 – Q3 Quarterly Market Review
A Tax on Giving – Understanding the Rules of the Gift Tax
Getting taxed once is hard enough, but getting hit a second time on the same dollars? That’s enough to give even a compliant taxpayer the urge to toss crates of tea into Boston Harbor. Whether double taxation like the gift tax is morally right…Read More
I have taken the Retirement Income Style Awareness™ Profile. Is it helpful to use this with a financial professional?
Here, we address whether or not you feel it would be helpful to share your personal RISA™ results with a financial professional.Read More
I’ve taken the Retirement Income Style Awareness™ Profile. What’s next?
We were able to categorize next steps after the RISA™ into five groups.Read More
Retirement Income Style Awareness Profile (RISA™) and Its Accuracy
We asked RISA™ participants if they felt the results were accurate; did the RISA™ “capture the essence of their style?”Read More
Retirement Income Style Awareness Profile (RISA™) and Your First Reactions
In the spirit of transparency, we are continuing to refine a scale to determine your retirement income style. I thought it would be a good idea to share with all of you some of the feedback we have received from the RISA™’s release in early 2020.Read More
2020 – Q2 Quarterly Market Review
Is Buying an Annuity in a Zero Interest Rate Environment a Good Idea?
The Federal Reserve’s decision to cut its benchmark federal funds rate from 1% to a range of 0% raises significant questions for those reassessing their retirement nest egg—a common occurrence following a dramatic selloff in equities according to research conducted by Indiana University’s Alessandro Previtero —and the value of annuities in providing guaranteed lifetime income.Read More
Is Buying an Annuity in a Bear Market a Good Idea?
As the stock market experienced unprecedented growth over the past eleven years, many people were naturally less interested in the lifetime income options from pensions or annuities. Who wouldn’t rather have all the assets today so they can invest them with the idea of earning high returns?Read More
Adjustments For A Conservative Return Assumption
Consider three scenarios: An individual investing a lump-sum amount for thirty years An individual saving a fixed percentage of a constant inflation-adjusted salary at the end of each year over a thirty-year accumulation period An individual withdrawing the maximum sustainable constant inflation-adjusted…Read More