Imagine two trains headed directly toward each other on the same track—their names: Inflation and Deflation. Which one will win? Aaron Kennedy, CFA®, CFP®, CLU®, CHFC® You may have noticed the price of goods has gone up, some dramatically. There is no denying that we are seeing inflation today. There is no doubt that there…
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Gone are the good ole days of working for a company for thirty years, then retiring with enough pension income that you won’t need to worry about running out of money. Now it rests squarely on your shoulders to set yourself up for retirement. Now you are lucky if you work for a company that…
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Moving in retirement – or even right before you retire – can bring its own set of surprises… and some may not be so pleasant. Here are five things you may not know that you don’t know that could end up biting you: #5…Financing…Lending has changed significantly in the past decade plus. Former Fed Chair…
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Could you fall victim to it? The stock market is hot right now and greed is coming out to play. Recently we had a client ask for a double-digit return on her investments. This is the same lady who wanted to go to cash when the market fell apart in 2008. There is common saying…
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The world around us certainly feels this way sometimes. Chaos is everywhere. Division, extremists, violence, and even hate seems to be at the root of headlines 24/7. The only certainty appears to be uncertainty. It’s hard for anyone not to have fear at some level. Even if we were just talking about the politics of…
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Can you believe it? 7 out of 10 people turning 65 will need long term healthcare services in their lifetime. 1. Which means we may not like it, but there will be a day the majority of us will need it. What’s the big deal? Well, it is a big deal – and it isn’t…
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Recently one of the coaching groups I take part in sent an email encouraging me too take the time to write out a bucket list. To put my thoughts on the right track, they provided a sample of “101 Things to Do before You Die.” I found it awe inspiring to read the thoughts of…
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The number one fear in retirement is – you guessed it! – running out of money. You have relied on your personal income your entire adult career… but you also had the ability to control it, stabilize it, and even change it. You held the power. You determined what you were worth. Yet when you…
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When it comes to suffering a disability, we all tend to think that “It can’t happen to me!” In fact, when assessing their own chances of becoming disabled, most people believe their odds of becoming disabled for at least 3 months are 1%.1 News Flash: More than 25% of today’s 20-year-olds will become disabled before…
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Unfortunately, this a question being asked by young adults – well, adults in general… parents and grandparents included. Although it should be, financial literacy is not a course in most schools. When considering the need for financial literacy, I am reminded of this: “What you tolerate today, you will accept tomorrow. What you accept today,…
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