Retirement Insights Tip #5: The Power of Tax Deferred Compounding

Deferring the tax on investment earnings, such as dividends, interest or capital gains, may help accumulate more after-tax wealth over time than earning the same return in a taxable account. This is known as tax-deferred compounding. This chart shows an initial $100,000 after-tax investment in either a taxable or tax-deferred account that earns a 6% return (assumed to be subject to ordinary income taxes). Assuming an income tax rate of 24%, the value of the [...]

July 22nd, 2019|

Retirement Insights Tip #4 – Retirement Savings Checkpoints!

Achieving a financially successful retirement requires consistent savings, disciplined investing and a plan, yet too few Americans have calculated what it will take to be able to retire at their current lifestyle.  This chart from JP Morgan Asset Management ( for household incomes of $100,000 or more) helps investors to quickly gauge whether they are "on track" to afford their current lifestyle for 30 years in retirement based on their current age and annual [...]

July 15th, 2019|

Retirement Insights Tip #3: Social Security Timing

Deciding when to claim benefits will have a permanent impact on the benefit you receive. Claiming before your full retirement age can significantly reduce your benefit, while delaying increases it. In 2017, full retirement age began transitioning from 66-67 by adding 2 months each year for 6 years. This makes claiming early even more of a benefit reduction. Surprisingly few Americans understand the benefits and trade-offs related to claiming Social Security at various ages. The [...]

July 9th, 2019|


Click on the link below for a detailed analysis of quarterly performance of the global equity and fixed income markets. CLICK HERE TO READ THE 2ND QUARTER 2019- QUARTERLY MARKET REVIEW  

July 5th, 2019|

Retirement Insights Tip #2: Longevity Risk – How can we Prepare?

Life expectancies in the United States continue to increase as more people are living to older ages than ever before. Investors need to plan on the probability of living much longer - even 30+ years in retirement. It's important to invest a portion of your portfolio for growth to maintain purchasing power over longer periods of time. Discuss a Distribution Strategy with your financial advisor. Outliving your money is a real concern for many investors. [...]

June 24th, 2019|


  HOW EARLY AND FOR HOW LONG? Make saving for retirement a priority by investing early and often. This graph illustrates the savings and investing behavior of four people who start saving the same annual amount at different times in their lives, for different durations and with different investment choices. Be Consistent! Start Early! Be A Disciplined Investor! The power of compounding is key to success! You have to participate in the markets to be [...]

June 20th, 2019|