My Comments: Medicare is an absolutely critical program for the vast majority of senior citizens. It allows us to respond to perceived medical issues immediately without a frantic consideration of what it might cost. Lack of funds is no longer a driving determinant for whether or not to seek medical advice or care. Some will …
Surfing
My Comments: I’ve never surfed in my life, but I may have to start. Only this time it deals with investing money in the markets and what we might expect going forward. I’m still significantly on the sidelines, my time horizon is limited given my age, but my objective is to grow my money to …
This Weeks Market Commentary: Counterintuitive
My Comments: For those of you wondering how to interpret what’s happening with the stock and bond market, this may help. If even thinking about money drives you up the wall, then ignore this and move on. On the other hand, I encourage you to read anything presented below in bold type. It’s a little …
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The Retirement Life – The First of Many Steps
I’m sure you’re already aware the markets are very uncertain these days. For most of us, they’re down significantly for the year. For every pundit who says there’s a lot more downside to expect, there’s a pundit telling us we’ve essentially hit the bottom and the upside looks like a return to normal. After …
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Retirement: Are There Any Do-Overs?
Do-overs don’t happen very often in life. The only one that comes to mind is the provision in the Social Security system that says if you think you made a mistake in the timing of your sign up, you have twelve months to change your mind. In conversations with existing and former clients, from time …
Why Inflation Might Have Peaked in June
My Comments: While no one knows exactly how the future will play out, these words from Samuel Smith are the most realistic I’ve read recently that conform to my personal thinking. It may be wishful thinking but the conclusion I reach is the world is not ending in the near term and that sanity may …
We’re in the Midst of a Fundamental Shift in Leadership
My Comments: Leadership is an elusive quality. Some are born with it, some learn how it works, others never have a clue. The shift referenced here refers to leadership in the business world. But whether you aspire to leadership or are OK being a follower, there are important ideas expressed here. Many of you have …
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7 Things Medicare Doesn’t Cover
My Comments: Last week I talked about the unexpected amount of money you’re likely to spend on health care in retirement. For most people, Medicare will cover most of it as your primary health insurance policy. Just remember that Medicare pays roughly 80% of any given qualified expense, which means you should also have a …
Market Volatility Has One Final Act
My Comments: You would think that with an almost 50-year history working in financial markets I’d have a clue about what’s going to happen next with respect to our investment portfolios. But I don’t have a clue. All I can do is listen to those whose ideas over the years have proved more accurate than …
The 10 Rules to Put an Annuity into Your Retirement Plan
My Comments: Annuities are simply contracts between people and insurance companies. Today, with people living longer and longer, and too many people questioning whether they have enough money to secure their financial freedom as the years roll by, annuities are playing an increasingly important role in people’s lives. Please know when thinking about your financial …
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Helping You Prepare Your Financial Future 