Retiring During the Pandemic

Retiring During the Pandemic

For people planning on retiring soon, the Covid-19 pandemic produced two new factors to consider: Lower Interest Rates reduce income. Retirees will earn at least ¼ less income from their bond holdings now than January 2, 2020, as shown in table below.Higher Risk....

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3 Steps to Know When You Are Financially Ready to Retire

3 Steps to Know When You Are Financially Ready to Retire

Determine the Resources You Will Need to Sustain Your Living Expenses Once You Stop Working A common question people ask is “Do I have enough money to retire?” The answer depends on several factors. This 3-Step guide will help you determine the resources you will need...

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Stock Market Returns Averaged 10% Since 1926

Stock Market Returns Averaged 10% Since 1926

Although the S&P 500 index returned 10%, on average, since 1926, the actual return in each year was 10% +/- 2% in only six of the past 93 calendar years. In most years, the index’s return was outside of the range—often above or below by a wide margin—with no...

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Estate Planning Tips for Couples and Surviving Spouses

Estate Planning Tips for Couples and Surviving Spouses

These excellent estate planning tips for couples and surviving spouses appeared in the March 30, 2019 edition of the Wall Street Journal. I'm posting the key tips and a link to the article for easy reference. Take key steps for advance planning: ☑️ Hire an estate...

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Rent or buy a home? We help you decide what’s best.

Rent or buy a home? We help you decide what’s best.

The character thinking what to choose, buy house or rent? The choice between buying and renting a home is among the biggest financial decisions that many people face. Answering this question is more complicated than it may seem at first. Let’s begin by laying out the...

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How Much Should Be Invested in Stocks?

How Much Should Be Invested in Stocks?

Stocks Power Portfolio Values Over Long Periods There are 3 major factors to consider when contemplating your asset allocation: timing, risk tolerance, and to a lesser extent, valuation. This question is on people's minds no matter what the stock market is doing. I...

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How Long Should You Plan to Live in Retirement?

How Long Should You Plan to Live in Retirement?

One of the major inputs for retirement planning is how long you expect to live. Retirement calculators ask you to forecast your lifespan or number of years living in retirement. It’s a necessary input because longevity informs the estimated number of years your...

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Fintegrity’s Investing Philosophy

Fintegrity’s Investing Philosophy

Fintegrity’s investing philosophy is grounded in behavioral finance, understanding that emotion and psychology play a role when investors make decisions, sometimes causing them to behave in unpredictable or irrational ways that create opportunities and deviations from...

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How to Save Money When Buying a New Car

How to Save Money When Buying a New Car

When car shopping, think in terms of an execution plan with suggested steps listed below: Decide what car you want to buy, including options and colors. Research pricing, for an idea of the maximum price you would pay, recognizing that you could pay less by shopping...

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