If you are age 65 or older, you likely already know what’s in store over the next two months: Endless phone calls and ads with promises of additional benefits and lower premium health care plans. So, with salesmen battering down your door, how do you make the decision whether to change or not to change?…
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Stop for a moment and think about all of the change that has occurred since we entered this decade less than 2 years ago. Who would have thought the world would be set back on its heels? Several times in the past week I have had conversations about how busy it is for everyone. Everyone…
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Bill and Sue started their business several years ago. After a few years, it began to yield good profits and the tax man began knocking. During tax season they asked their accountant what they could do to get this tax bill down and, after consideration, they settled on setting up an S-Corp. This was a…
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This is the stuff they should teach you in high school… but don’t. Once you reach 18 years of age, you need to obtain the basic legal documents. It is astonishing how many individuals and families we meet without a single legal document. Most people think of dying or preparing to die when they hear…
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There is a bit of chaos and change in the world today. Okay, a lot. And everyone is looking for answers. Whether it is how to lower taxes and keep your hard-earned dollars, find people to work, invest in markets (financial, real estate or otherwise) that appear overpriced, but also feels necessary to fight the…
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“May you live in interesting times” is a phrase we often hear that is claimed to be an interpretation of a traditional Chinese curse. I can say this honestly gave me a giggle in light of the times in which we live. However, it is not just a Pandemic that makes these times interesting. There…
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What is going on with all this inflation? The Fed is telling us this is all transitory and to not worry. The question is, what does that mean and how does it affect us? For the most part, I believe they are right. Inflation is transitory, just not in the way you think. I was…
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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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