Recently we’ve been approached by a few prospective clients who are just about to retire and would like a financial plan. Most have worked hard for years and now want to stop working. They are unsure how many more years they will want or be able to work. They have some money saved but have never really figured out whether they have enough to retire.
"A WHOLE NEW WAY TO LOOK AT PAYING FOR COLLEGE"
Learn how to obtain a college education without incurring 100,000+ in student loans.
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When I entered the investment industry in 1984 Peter Lynch was managing the highly successful Fidelity Magellan Fund. There was no talk among individual investors about excluding certain stocks from their portfolios for social reasons. The overall goal of investing was to maximize shareholder value. In other words, make the most money without regard to social impact.
The Tax Cuts and Job Act of 2017 was one of the biggest changes to the tax law in over 20 years. One of the changes it made in early 2018 was reducing the payroll withholding amounts for employees. That meant a worker would immediately receive bigger tax-home paychecks.
How many of you noticed a bigger paycheck?
The last few months have woken up a lot of investors. Suddenly, the markets seem to be in free fall one day and rocketing upwards the next. After nine--almost sleepy--years it appears that market volatility is back. And now that everyone is opening up their 2018 year-end statements, the picture is not pretty.
With our lives moving online, the number of ways that bad guys can take advantage of us seems to be growing exponentially. And, there is reason to worry: According to 2018 Identity Fraud, there were 16.7 million victims of identity fraud in 2017, a record high that was preceded by another record high in 2016.