You, Your Retirement, and the SECURE Act

By | January 3rd, 2020|Retirement|

You may have missed the news – buried in a much bigger spending bill, and passed in the thick of the holiday season. But after months of nearly bringing it to the finish line, it’s now official: On Friday, December 20, 2019, the Setting Every Community Up for Retirement Enhancement (SECURE) Act was signed into [...]

What does asset allocation mean?

By | May 9th, 2019|Investing, Retirement|

Asset allocation. It’s so ingrained in how we manage our clients’ investment portfolios, we talk about it all the time. But what is it? What are assets, and what happens when you allocate them? Asset Allocation: A Classy Subject Big picture, an asset is anything beneficial you have or have coming to you. For our [...]

The Yield Curve

By | September 18th, 2018|Investing, Retirement|

The yield curve is flattening (or growing steeper)! … Yield curve spreads are widening (or narrowing)! … The yield curve has inverted (or normalized)! Headline-grabbing yield curve commentary somehow sounds important, doesn’t it? But what is a yield curve to begin with, and what does it have to do with you and your investments? A [...]

Tax cuts and GDP growth

By | February 27th, 2018|Investing, Retirement|

Do lower taxes cause faster GDP growth? Your answer will hinge on what economic theory you subscribe to. The fundamental idea of supply-side economics is that tax cuts cause economic growth. This theory is grounded in the idea of expanding the tax base which in turn will produce more tax revenue for the government. The [...]

Cost of US short-term borrowing on the rise

By | February 21st, 2018|Investing, Retirement|

The US government is spending, and fixed income investors are demanding higher interest rates in return to lend to Uncle Sam. The recent tax reform coupled with congress raising the debt ceiling requires the US government to rebuild its cash balance. On Tuesday, the US Treasury auctioned off $179 billion of short-term debt. By historical [...]

Inflation is back, maybe

By | February 20th, 2018|Investing, Retirement|

The recent stock market selloff in early February was attributed to the CPI data released on February 2nd.  The Federal Reserve Act establishes the statutory objectives for the Federal Reserve - maximum employment, stable prices, and moderate long-term interest rates.  The Fed has been maintaining a low interest rate policy and has been powerless to [...]

Three Retirement Planning Lessons from the Houston Astros’ 2017 Championship

By | November 28th, 2017|Retirement|

In 2017, the Astros gave hurricane-battered Houston a reason to celebrate by achieving their very first World Series championship. After winning 101 regular season games and 11 playoff games, the Astros claimed their place in baseball history and added a silver lining to the city’s difficult year. Planning for a comfortable retirement entails some of [...]

Refrain from Tapping Your Retirement Funds

By | November 6th, 2017|Retirement|

Resist the temptation. Your future self will thank you.  Retirement accounts are not bank accounts. Nor should they be treated as such. When retirement funds are drawn down, they impede the progress of retirement planning, even if the money is later restored.  In a financial crush, a retirement account may seem like a great source [...]

Social Security Benefits & Your Provisional Income

By | November 1st, 2017|Retirement|

Your Social Security Benefits & Your Provisional Income Earning too much may cause portions of your retirement benefits to be taxed.  You may be shocked to learn that part of your Social Security income could be taxed. If your provisional income exceeds a certain level, that will happen. Just what is “provisional income”? The Social [...]

Social Security 2017 Cost of Living Adjustment

By | October 24th, 2016|Retirement|

The Social Security Administration recently announced that monthly Social Security and Supplemental Security Income (SSI) benefits will increase 0.3 percent in 2017. This cost-of-living adjustment (COLA) will begin with benefits payable in January 2017. Increased payments to SSI beneficiaries will begin on December 30, 2016. The maximum amount of earnings subject to the Social Security [...]

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