It seems like every time I think about what to talk about I am always coming back to interest rates.The Federal Reserve made another 25 basis point cut which most economists feel was unnecessary and useless. A review of the Fed Committee meeting indicates that there was NOT a consensus among its Board Members. This […]

The most terrifying words in the English language are:”I’m from the government and I’m here to help.”  Ronald Reagan Last week the U.S. House of Representatives passed the Secure Act. It’s stated goal was to make your retirement more secure. But what does it actually do? It mandates that your 401(k) provider put annuities into your retirement […]

While the key concern before retirement is how to grow your investments, proper financial management in retirement involves much more. When trying to choose the most appropriate investment strategy or strategies, you will face a series of concerns that push and pull you in different directions.  I am not going to go into each concern […]

In the good old days, investing for retirement was so much easier. Government and Corporate Bonds were paying 7% to 8%. A 3 to 5 year CD paid close to 5%. Maybe, you purchased a few dividend stocks. Then all you had to do is sit back and collect the checks with the knowledge that […]

A key component to building a portfolio is using diversification which reduces your risk/volatility. This is very important when you are approaching retirement because of the potential damage volatility can do to a well planned retirement strategy. The challenge is, when creating a diversified portfolio, some of your investments will be on the rise while […]