Index annuity update

Many investors have been increasing their allocations to index annuities as a way to reduce market risk while still maintaining reasonable growth expectations. As numerous insurance carriers have recently started…

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Income planning

Once you are no longer working, you need to determine not only how much income you can afford to spend each year, but also from which accounts you should be…

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Elder abuse

According to the National Council on Aging, more than 10 percent of adults over the age of 60 are victims of elder abuse. Elder abuse can occur in many forms,…

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Investor sentiment

Back in 1999, I recall meeting with clients regarding their financial planning. At the time, most people were enjoying stellar returns in their tech-heavy portfolios and they tended to be…

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Risk-adjusted returns

When reviewing your portfolio, it’s important to understand not only historical returns but how much risk was required to get those returns. For instance a 6 percent unsecured loan to…

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