Climbing A Wall Of Worry

The third quarter of 2017 was highlighted by unfavorable seasonal effects and a steady stream of nerve wracking geopolitical developments, but despite a challenging environment world equity markets persistently fought off short-term jitters and closed out the quarter solidly in the green. Commodities markets also bounced back in the third quarter, and fixed income found a way to post positive returns as investors continued to demonstrate an appetite for both credit related yield and safe-haven plays to hedge portfolio risks.

Those who stayed invested during the third quarter were amply rewarded for doing so, but as markets climbed higher the risks of an overvalued market rose in tandem. With the fourth quarter looming, investors must decide if they should remain fully invested, or start to pull back after the unusually strong run this year.

The Government’s Newest Rule Is One We’ve Already Been Following

After heated opposition and a two-month delay, the Department of Labor’s Fiduciary Rule became effective June 9, 2017 (with certain documentation requirements applicable on January 1, 2018). This law pertains to any professional who makes investment-related recommendations on employee benefit plans and IRA retirement assets pursuant to an agreement. Legislators hope to educate the public…

How To Set Investment Goals

A sound investment plan begins by determining your objectives while understanding any limitations or constraints that may exist. While most objectives are long-term, a plan must be designed to persevere through changing market environments and be able to adjust for unseen events along the way. If you have multiple goals then each of these goals…

reverse mortgage

Reverse Mortgage: A Possible Back-Up Plan

The numbers are staggering: Baby boomers are turning 65 at a rate of about 10,000 a day. According to the PWC Employee Financial Wellness Survey, roughly half of all baby boomers have saved $100,000 or less. For this generation, retirement may last 30 years or more and and will be expensive. Basic living expenses such as groceries, fuel, and electricity will stretch budgets, leaving little money for hobbies and other leisure activities that the boomers enjoy today.