08 Oct
October 08, 2013

Bonds have long been a staple of most investment portfolios, especially for those in retirement. With historically low interest rates, should investors continue to maintain the bond exposure within their portfolios? The short answer is yes. Let’s look at a couple reasons why bonds still make sense as part of a diversified portfolio.

Perhaps the most important aspect of bonds for retirees is the fact that they provide stability within a portfolio, which ultimately reduces volatility. The inherent stability of bonds

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22 Jun
June 22, 2012

A recent study by Demos, a non-partisan public policy group, estimates that the average American household will pay a total of $155,000 in 401(k) fees over their lifetime. This equates, on average, to 30% of the total value of their 401(k) plans! This study found that, while investors have access to expense ratios of the underlying investments within 401(k) plans, they rarely factor other expenses (trading costs, bid-ask spreads, and administrative fees) into their fee calculations. All told,

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29 Mar
March 29, 2012

As the Baby Boomer generation approaches and enters retirement, the longevity of their assets will depend primarily on their levels of expenses in retirement. Many individuals have heard that they need 70% of pre-retirement income in order to maintain their lifestyle during retirement. While this may be true for some, this number can also be very misleading. For me, a better way of determining what level of expenses you can expect in retirement is simply to put pen to paper

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27 Oct
October 27, 2011

Economic uncertainty and longer life expectancies have created stress for many baby boomers. This generation is quickly becoming known for being the sandwich generation – those trying to provide financial support for both their aging parents as well as their young adult children. It is normal for many of these parents to try lending a hand to their children, many of whom have been a casualty of high unemployment. At the same time that these young adults

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02 Sep
September 02, 2011

2011 has been a volatile year to say the least. The world has experienced earthquakes, tsunamis, debt ceiling negotiations, European debt negotiations, riots, and economic uncertainty. As a result of many of these events, the world equity markets have been quite the rollercoaster ride for virtually all investors. Despite the volatility in the markets, the DOW Industrial Average managed to turn positive for the year to close out the month of August. While the S&P 500 is still

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