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With Stocks Still Near Their Highs What Should Retirees Do Now?

Although the stock prices are trading near their all-time highs, it hasn’t exactly been a joy ride for retirees who are counting on their retirement plans for a lifetime of income.  The type of unruly market action that we have seen over the last few months always unleashes a flurry of “expert” commentary that seems to be directed at those who are most vulnerable to flash

CLEARNEWS - Every Dog Has It’s Day

Thoughts on the Brexit

Britain shocked Europe with their vote to leave the union. While the decision to leave was very complex the crux was a vote for Nationalism over Globalism. The United Kingdom, as well as other EU countries, have found themselves in a society where they have lost the ability to make decisions in their country's best interest.

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Populous disruption

Each year hockey fans get to vote their favorite players to be team captains in the annual All-Star tournament. This year they chose 3 nobrainers: Jaromir Jagr, Alex Ovechkin, and Patrick Kane. All three are clear stand-outs in the league and have collectively scored hundreds of points. 

The fourth choice shocked many because he is a minimum salary 33 year old veteran “enforcer” named John Scott. He has only scored 5 goals in his entire professional career.

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Why You Need an Investment Philosophy

There are many who would suggest that, in a digitally-wired world in which information travels at light speed to all corners, the investment playing field has been leveled between individual investors and the institutions. In reality, however, the incessant noise and information overload can do more to fuel the irrational behavior of investors than it can to provide any sort of advantage.

Elections and the Stock Market: Much to Do About Nothing

It’s a presidential election year and with that comes the invariable stock market correlations seeking to predict election results or forecast the market’s direction.  On one hand, the performance of the stock market during the two months leading up to the election has been somewhat of a predictor of who will win the race.

Understanding the Money Value of Time

In the realm of financial planning, time is our most valuable asset.  It’s available to all of us, providing each individual with the same opportunity to optimize its value in building wealth. It’s the only resource we all have over which we have some degree of control.

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The Essential Elements

Until recently, many retirees have been able to rely upon the threelegged stool of retirement income sources: A defined benefit pension plan that guarantees a lifetime income, their own savings, and Social Security. Within the last couple of decades, the first leg of the stool has all but disappeared as many defined benefit plans have been replaced with defined contribution plans such as a 401(k) plan. This has shifted the responsibility for creating a retirement income source to the individual. With expanding life spans and increasing retirement costs, it will require serious retirement planning to ensure that your income will last a lifetime. Here are the four essential elements of a sound retirement plan:

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The 4 Essential Elements of a Retirement Plan

Until recently, many retirees have been able to rely upon the three-legged stool of retirement income sources: A defined benefit pension plan that guarantees a lifetime income, their own savings, and Social Security.

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The Debate: Comission

Since the beginning of publicly traded investments your broker has been receiving some sort of commission as their reward. Things began to change 25 years ago when Charles Schwab began to pioneer the feebased advisor. But no sooner did that happen and insurance companies, who decided they had been missing out on revenue, began pushing annuities for retirement accounts.

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