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Are You Retiring Within the Next 5 Years?

Are You Retiring Within the Next 5 Years? What to focus on as the transition approaches You can prepare for the transition years in advance. In doing so, you may be better equipped to manage anything unexpected that may come your way. How much monthly income will you need? Unfortunately, there is no “magic” number...
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Cash Alternatives for Charitable Giving

Cash Alternatives for Charitable Giving Thinking about donating? Think of these choices. As the tax season is heating up, you may be thinking of giving. In fact, you may want to explore the different ways in which you can donate to a charity or non-profit organization, apart from just making a cash gift. Consider some...
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Retirement Preparation Mistakes

Retirement Preparation Mistakes Why are they made again and again? Much is out there about the classic financial mistakes that plague start-ups, family businesses, corporations, and charities. Aside from these big blunders, some classic financial missteps plague many retirees. Calling them “mistakes” may be a bit harsh, as not all of them represent errors in...
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Outlook for 2022

Outlook for 2022 It’s a new year, full of new possibilities for what may lie ahead.  By any measure, 2021 was a strong year for investors. But what’s in store for 2022? From my perspective, I expect that many of the same forces that influenced markets last year will play a role again in the...
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When Bad News Is Good News

When Bad News Is Good News A surprising reaction to tapered bond purchases? Financial markets can be challenging to understand. But when markets enter a “bad news is good news” cycle, it becomes even more difficult to follow along. At its November meeting, the Fed outlined its plan to taper monthly bond purchases, which will...
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Are Your Taxes Going to Change?

Are Your Taxes Going to Change? Wise investors take the “big picture” view. Most likely, you’ve heard what’s brewing in Washington, D.C., called by one of these names. The Build Back Better Act. Or the $3.5 trillion budget reconciliation bill. Or the Jobs and Economic Recovery Plan for Working Families. Regardless of what name you’ve...
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Life Insurance with Extended-Care Riders

Life Insurance with Extended-Care Riders As conventional extended-care policies grow costlier, alternatives have emerged. The COVID-19 pandemic has changed extended-care policies. While the specific policy information varies from company to company, in general, the pandemic has made it more difficult to qualify for extended-care policies. This can be particularly challenging if you’re in a high-risk...
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A 6.1% Bump in Social Security?

A 6.1% Bump in Social Security? COLA and Social Security. The news keeps getting better for Social Security recipients. It’s now projected that benefits will increase 6.1% in 2022, up from the 4.7% forecast just two months ago. That would be the most significant increase since 1983. It’s all about inflation. Social Security cost of...
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The Fed Acknowledges Inflation

The Fed Acknowledges Inflation As inflation climbs, the Fed reacts. At its June meeting, the Federal Reserve confirmed what many of us have suspected for some time: prices are rising. In fact, prices are climbing faster than many expected. In response, the Fed raised its inflation expectation to 3.4%, up from its March projection of...
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Will Updated I.R.S. Tables Create an Opportunity for Retirees?

Will Updated I.R.S. Tables Create an Opportunity for Retirees? Life expectancy table updated for the first time since 2002. If you are retired and have reached your seventies, you may have the opportunity to draw a little less income from your retirement savings accounts in 2022. Next year, the Internal Revenue Service plans to update...
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