12 Jul
July 12, 2012

Retirees today face enormous challenges as expenses and costs continue to rise. Yet yields on bonds and fixed income assets remain depressed; the yield on short-term bonds is less than 0.5%. A longer term might yield up to 2%. How can retirees plan to meet their future income needs in such a low-interest environment?

Unfortunately, many retirees have chosen to move into assets that produce a higher yield, including high-yield bonds, high dividend-paying stocks, and master

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30 May
May 30, 2012

Here’s a deceptively simple question: how much of your income should you save during your working years if you want to enjoy a comfortable retirement?

To answer the question definitively, you have to know how long you’ll be working (and saving), how long you’ll live in retirement, and what the investment returns will be both during the accumulation period and also throughout your retirement years.

Wade Pfau, a researcher who is currently director of macroeconomic policy

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09 Apr
April 09, 2012

Remaining optimistic about the future is certainly not fashionable today. Most of the data we take in reminds us of the hurdles standing between us and economic progress. Are we really doomed? Will the next 20 years be littered with volatile markets and below-average returns? As a rational optimist, I have difficulty accepting this fate. Humans have been making progress for thousands of years. In economic terms, a desire for a better quality of life, access to raw

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22 Jan
January 22, 2012

I recently shared a fun exchange with an investor seeking a second opinion on his investment portfolio. Like many investors today, he was fond of the benefits provided by a guaranteed investment. He did not have to worry about declines in the stock market. However, as we continued to discuss his goals he described his fear of running out of money. His wife’s family had ancestors who lived well into their 90s. He recognized his portfolio may need

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22 Dec
December 22, 2011

In today’s technology age, people are concerned with how their information and data are shared.  Given security breaches at reputable companies, their concern is understandable. While identity theft usually receives the most attention, there is another privacy concern that is consistently raised by clients. They are afraid people in their community will discover their financial resources. As a result, clients may not fully disclose their finances with their entire professional team. As a planner, I have been asked

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