One of The Most Prominent Retiree Risks: Sequence of Returns

Imagine spending decades meticulously planning and conscientiously saving for retirement only to experience a bear market shortly after leaving the workforce. Suddenly, you’re ready to begin relying on your investment income and it isn’t all there.

What will you do? Will your portfolio be able to sustain your anticipated annual withdrawal rate? Or will you be forced to reduce your lifestyle to avoid outliving your assets?

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How Will the SECURE Act Affect My Retirement Plans?

In an effort to help Americans better save and prepare for retirement, Congress has passed the first pivotal piece of retirement legislation we have seen in over a decade—the Setting Every Community Up for Retirement Enhancement (SECURE) Act. The following outlines some of the most notable provisions of the SECURE Act and how they could affect your retirement or estate planning strategies now and for the foreseeable future. 

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The Risks and Rewards of Investing in IPOs

Have you ever heard someone touting how they got in on the “ground floor” of a publicly traded stock and it skyrocketed from there? What did they mean by “ground floor”? Most likely what they are referring to is that they bought a company’s initial public offering (IPO) when the company “went public.”

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The 2 Most Common Tax Mistakes

As far as taxes go, January is the calm before the storm. Before you know it, your mailbox will be filled with tax forms, you will be gathering charity receipts, and you may be dreading taking the trip to your accountant or starting up your Turbo Tax software. 

For most of us, gathering information to prepare our tax returns is simple. However, there are two tax documents you will never receive, but that you may need to be mindful of as tax time approaches. 

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How Does the Stock Market Fare during Election Years?

As the 2020 presidential election approaches, publications and news broadcasts alike are ramping up their coverage of polling updates and speculating on what effects the outcome of the upcoming election could have on the state of the stock market.

Let’s take a look at some historical numbers to see if we can filter through some of this noise.

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What Does Retirement Really Mean (To You)?

Retirement is a nebulous word that means different things to different people. For some, it means leaving the workforce permanently to relax at home. For others, it means spending time doing the activities they haven’t had time to do during their working years, such as traveling, exercising, volunteering, or learning to play the guitar. The list of activities is endless and unique to each individual who is approaching or has already made the transition into, their retirement years.

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What is an inverted yield curve, and what does it mean to me?

In early August of 2019, headlines referring to the feared “inverted yield curve” were on display all over the news, financial websites, and publications, sparking a more than 2.9% decline in the S&P 500 (Source: Yahoo Finance), its worst single day of trading for the year. The following day, a plethora of articles were published explaining an inverted yield curve and linking its direct correlation to an imminent recession, further weakening investor sentiment. In this day and age where the headlines are often times scary, many are wondering: what is an inverted yield curve and should they panic?

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A Certified Financial Planner’s Perspective: The Stock Market Meltdown Is Coming

It seems like every investor has been waiting for the market correction or the next recession since the last Great Recession in 2008. Maybe it’s because of the severity of last crash and recession. Or perhaps, people think that economic expansions die of old age. Well, they don’t. Economic expansions typically die for two main reasons: geopolitical risks and tight monetary policy.

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Thinking about Sending Your Child to a Private High School?

There are many reasons why parents may consider sending their child to a private school; from the varied curriculum, these schools are able to offer, to smaller class sizes taught by dedicated and highly qualified teachers. It’s not required that you know where you want to send your child to high school the day they are born, but it is important to start saving early for their education needs. 

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Is Warren Buffett Losing his Edge?

Published in the Baltimore Business Journal on August 15, 2019

Warren Buffett. Whether you are a day-trader, or you don’t know the first thing about the stock market, odds are you have heard of him. Arguably the world’s most famous investor of all-time, he is best known for his uncanny ability to pick stocks for the company he acquired more than 50 years ago, Berkshire Hathaway. Whenever he is featured live on one of the major news outlets, Wall Street, financial advisors, and even the general public give their attention to listen. 

But, since the end of the 2008 financial crisis which marked the beginning of the current bull-market, Warren Buffett has lagged the S&P 500. How much exactly? 

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