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Avoiding Retirement Woes

How to Avoid Retirement Woes

Avoiding Retirement Woes

How to Avoid Retirement Woes

Avoiding a Retirement Disaster

Recently we’ve been approached by a few prospective clients who are just about to retire and would like a financial plan. Most have worked hard for years and now want to stop working. They are unsure how many more years they will want or be able to work. They have some money saved but have never really figured out whether they have enough to retire.

Earth Week

Markets have pushed upward as earnings have generally met reduced expectations. Interest rates have remained low and bolstered expectations for GDP growth. 

5 Myths About Social Security

Submitted by Kate Hennessy on April 18, 2019

As I get older, I’ve become more curious about Social Security.  I’m in my mid 40s and I have been paying into the system since high school. Hopefully, I’m 20+ years out from claiming benefits but  given how fast life goes by, it’s never too early to start thinking about and planning for Social Security. It’s a topic that many people shy away from, but in planning for your financial future, it’s an income stream that needs to be accounted for in a financial plan.

To kick off our series of articles on this topic, I am starting with 5 myths about Social Security:

4 Ways to Help Ensure You Won’t Outlive Your Retirement Money

If you have anxiety about outliving your retirement savings, you have company. Roughly 37 percent of current retirees say outliving their money is a big worry.

Paying for College Seminar

"A WHOLE NEW WAY TO LOOK AT PAYING FOR COLLEGE"

Learn how to obtain a college education without incurring 100,000+ in student loans.

Do you have a freshman, sophomore, or junior in high school?

If you are concerned about paying for college and still being able to retire, you must attend this free seminar.

Fear - Understand It to Overcome It (Podcast)

By Byron Moore, posted April 17, 2019

The following segment first aired on KEDM 90.3.

We all have things that we are afraid of. If we allow, it's easy for fear to dictate our lives. On this week's episode of Wisdom on Wealth, I discuss how to deal with and triumph over your fear.

Click above to play/pause audio.

 

The Masters

Tiger Woods roared to life by winning the 2019 Masters – his fifth green jacket.  He last won at Augusta in 2005 and it’s his first major win in 11 years. Athletically, his win marks one of the greatest comebacks in all of sports.

Morning Market Review April 16, 2019

Morning Market Review April 16, 2019.png

Oct 01, 2016 by Spinnaker Financial Advisors, LLC

We have been hearing this question often in recent weeks, “How are the markets going to react to the presidential election?”  Although we tend to hear this question every presidential election, it seems to be coming up more often this time.  Perhaps that is because many people have strong negative views of one candidate or another, or both.  The latest Real Clear Politics average of polls shows Hilary Clinton with a -9.5 Favorable to Unfavorable ratio (43.6/53.1)...

Feb 01, 2016 by Spinnaker Financial Advisors, LLC

For Maximum Retirement Income You Need Tax Diversification

One of the most important tenets of investing for retirement is to diversify broadly for the best possible long-term returns in your portfolio. However, for the best possible outcome in generating maximum retirement income, special attention needs to be given to achieving optimal tax diversification. Conventional portfolio diversification focuses on blending together a mix of assets from across the spectrum...

Jan 21, 2016 by Spinnaker Financial Advisors, LLC

You may have noticed that the stock market has had a rough few weeks to start the new year.  Including yesterday’s (Jan 20, 2016) selloff, the S&P 500 Index is down 9% for the year and 11.9% from a recent high made in November.  To use some technical jargon, this means that we have reached a “correction” (a decline of 10% or more) but not yet a “bear market” (decline of 20% or more). 

Although market corrections and bear markets...

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