The calculator below is useful as a data point in determining the appropriate amount of life or disability insurance you may need, in conjunction with other assets and protection you may already have. Please consult with your financial advisor or insurance professional for more guidance on your individual circumstances:
Archive for April, 2014
An orchestra is a merely a collection of instruments, each of which brings a unique sound. It is only when a conductor leads them that they create the beautiful music imagined by the composer.The same can be said about your retirement strategy. The typical retirement strategy is a built on the pillars of your 401(k) […]
The bankruptcy filing of the city of Detroit has left some investors questioning their long-held assumption about the relative safety of municipal bonds.¹ Without question, in the wake of Detroit’s troubles, gaining a better understanding of municipal bonds makes more sense than ever.²At their most basic level, there are two types of municipal bonds: General […]
Chris Rock once remarked, “You don’t pay taxes, they take taxes.”¹ And in that spirit, thanks in part to higher capital-gains taxes, there may be more taking in 2014. Capital gains result when an individual sells an investment for an amount greater than his or her purchase price. Capital gains are categorized as short term […]
Below are the resources for and the results of our recent Proxy Vote on behalf of our clients: Proxy Materials: Proxy Statement. For Current Prospectus: Please Google “2014 ‘Ticker or Fund Name‘ Prospectus”. There are many funds to choose from so this is the most efficient way to post. Please let us know if you […]
Below are the resources for and the results of our recent Proxy Vote on behalf of our clients: Proxy Materials: Proxy Statement. 2013 Annual Report rF Voting results: Vote for the election of of the following nominees: L. Andreotti – Against L. B. Campbell – For J. M. Cornelius – Against L.H. Glimcher – For M. Grobstein – For A.J. Lacy – For T.J. Lynch Jr. – For D.C. […]
Below are the resources for and the results of our recent Proxy Vote on behalf of our clients: Proxy Materials: Proxy Statement. 2013 Annual Report rF Voting results: Vote for the election of of the following nominees: Don M. Casto III – For Ann B. Crane – For Steven G. Elliott – For Michael J. Endres – For John […]
At first blush, the idea of a bond that doesn’t pay interest seems oxymoronic. After all, isn’t a bond a debt instrument that pays periodic interest and repays the principal at maturity?¹Zero coupon bonds are indeed debt instruments but are issued at a discount to their face value, make no interest payments, and pay its […]
Roughly 3.3 million baby boomers are planning to retire abroad.¹ Their motivations may be many, but popular reasons include greater affordability, adventure and a change in lifestyle. However exciting retiring abroad may sound, it deserves considerable planning. Things to consider Where do you want to retire? There are many starting points for this search, but […]
The uncertainties we face in retirement can erode our sense of confidence, potentially undermining our outlook during those years. Indeed, according to the 2013 Retirement Confidence Survey by the Employee Benefits Research Institute, only 18% of retirees say they are “very confident” about having enough assets to live comfortably in retirement. Almost 40% were either […]
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