Many of us grew up with the concept that regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that in a fluctuating market a regular schedule of a set investment amount, generally speaking, would mean that we bought more shares when prices were low and less shares when prices […]
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The challenge with taking withdrawals from a traditional portfolio is the “sequence of returns” danger. Experiencing negative returns early in retirement can potentially undermine the sustainability of your assets. So you may want to consider a couple of strategies to help mitigate this concern.The first is to have a pool of very liquid assets to […]
During your accumulation years, you may have categorized your risk as “conservative,” “moderate” or “aggressive” and that guided how your portfolio was built. Maybe you concerned yourself with finding the “best-performing funds,” even though you knew past performance does not guarantee future results.What occurs with many retirees is a change in mindset—it’s less about finding […]
The baby boomers have re-defined everything they’ve touched, from music to marriage to parenting and more lately what “old” means—60 is the new 50! Longer, healthier living, however, can put greater stress on the sustainability of retirement assets.There is no easy answer to this challenge, but let’s begin by discussing one idea—a bucket approach to […]
LegalZoom reported that 75% of small-business owners have no formal succession plan.¹ While the number may shock, it doesn’t surprise since so many small business owners are consumed by the myriad responsibilities of running their businesses.Nevertheless, owners ignore succession planning at their peril, and possibly at the peril of their heirs. There a number of […]
Only 30% of all businesses put on the market for sale are actually sold, according to the National Federation of Independent Business.¹As a business owner, ascertaining the value of your business is important for a variety of reasons, including business succession, estate tax estimates, or qualifying for a loan. There are a number of valuation […]
After years of declines, new business formation rose in 2011 for the first time since 2006, according to a most recent statistics compiled by the Kauffmann Foundation.¹ For individuals pursuing the dream of exercising their entrepreneurial muscles, they will face the same question, “Which business structure should I adopt?”Each option presents its own set of […]
For many small business owners, running your business is an all-consuming endeavor.In the face of everyday demands, preparing for your retirement can become a casualty. For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration.If this sounds familiar, then you may want to consider whether a Simplified Employee Pension […]
According to The Council for Disability Awareness, a 35-year-old male has a 21% chance of becoming disabled for three months or longer, with the average disability lasting almost seven years.¹ Loss of income for such a duration has the potential to cause significant financial hardship. And while Social Security Disability Insurance may help, it’s critical […]
Perhaps Bette Davis said it best when she observed, “Old age is no place for sissies.” ¹The challenges seniors have met throughout their lives have made them wiser and stronger, preparing them for the unique challenges that come with aging. As we age, the potential for cognitive decline increases, ranging from simple forgetfulness to dementia. […]
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