Tag: Retirement

Inflation

Facing Inflation

Everything is so expensive! Can I still retire? For most of the last 30 years, we Americans have lived in a bubble where no one really understood first-hand what inflation was. There were a couple years from 1991-2020 that the cost of living increased by over 4%, but for most of these years the cost…
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June 11, 2024 0

Are You Taking Your Financial Supplements?

Recently I was speaking with a client about how important it is to take preventative measures in regard to health – eating right, exercising, and taking the right supplements. People are living longer than ever before, but that doesn’t mean we are living healthier than ever before, which can prove to be a double whammy.…
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March 7, 2024 0
Guarantee

Are Guarantees Enough?

The word “guarantee” most often breeds two responses— Sigh of relief…Safety Is this too good to be true??? I think it’s safe to say that anyone facing imminent retirement today or anyone who has been retired for quite some time would tell you that they would love to see the success of their retirement guaranteed.…
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February 28, 2024 0
Buckets

What is Your Money For?

Across most of the world, our American work ethic is perceived as crazy. There was an article in Business Insider called, 11 American Work Habits Other Countries Avoid at All Costs.1.  It named these: Crazy long hours Very little vacation time Not enough family leave Americans eat at their desk Breaks during the day are…
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January 30, 2024 0
Handshake

Fiduciary Roles of a Retirement Plan

What is a fiduciary? A person or organization that acts on behalf of another person, putting their clients’ interests ahead of their own, with a duty to preserve good faith and trust. Being a fiduciary thus requires being bound both legally and ethically to act in the other’s best interests. –Investopedia.com With retirement plans, there…
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December 5, 2023 0
Roth IRA

Should You Convert to a Roth IRA?

There is nothing like waking up on a Monday morning…and taking a look at our national debt. That certainly ought to get your juices going, so let’s take a good look: Are you aware that as of September 2023, it costs 879 billion dollars to simply maintain our debt each year? This is 14% of…
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October 31, 2023 0
Stressed

How Bad Will Inflation Effect My Retirement?

Let’s face it, inflation hurts. You may be buying a little less these days…or not, and just spending more. You may be performing a tango between the two. No matter, if you are breathing and spending your own money then chances are you’re starting to see the effects of inflation on your lifestyle. I heard…
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October 3, 2023 0
Credit Score

Is Your Credit Score Important in Retirement?

The phrase “if you don’t use it, you will lose it” applies to more ways than one in retirement…It’s not just your health or mind – it could be your credit, too! You can spend a lifetime building and maintaining perfect credit only to watch it dwindle when you stop using it. Well, is it…
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June 21, 2023 0
Stress

Stress – Financial, Business, Life?

The irony of stress is realizing it isn’t good for you, then stressing about being stressed. Keeping with the theme of Mother’s Day this week, ask yourself…what advice would your mom offer you? …Hold your horses. …Take it down a notch. …What part of ‘no’ don’t you understand? …Shut the door! Who do you thing…
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May 16, 2023 0

Securities offered through Calton & Associates, Inc. member FINRA and SIPC, a Registered Investment Adviser. Investment advisory services offered through Smart Money Group, LLC, a Registered Investment Adviser. Smart Money Group, LLC and Kennedy Financial Services, Inc. are not owned or controlled by Calton & Associates, Inc.