Beyond Bulls & Bears

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Education

Don’t Believe Everything You Hear about Social Security!

“Some people believe Social Security is going to disappear within a matter of years. That means retirees and those living on disability insurance will get nothing. As in nada, zippo, the big fat zero … How likely is this? Not. At. All.” - Gail Buckner, CFP®.

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Education

Despite Scary Headlines, No Big Changes to Social Security’s Outlook

Every year the Trustees of the US Social Security and Medicare trust funds provide their report on the current and projected financial status of these programs. Gail Buckner, CFP, our personal retirement and financial planning strategist, takes a look at this year’s scorecard from the Trustees. She says media headlines or political rhetoric suggesting Social Security is near death are greatly exaggerated.

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Alternatives

Short-Term Fears Seem to Affect Millennial Investors in Particular

Many investors who lived through the Global Financial Crisis of 2007-2009 still might bear some scars, according to Franklin Templeton’s annual Retirement Income Strategies and Expectations (RISE) survey. Michael Doshier, vice president, retirement marketing, offers highlights from the survey and examines how reactions to severe market shocks may impede us from reaching our long-term investment goals.

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Education

Spryng into Saving for College

As the cost of a college education continues to rise, parents (and their children) are coming up with creative ways to finance it. Roger Michaud, senior vice president and director of sales for Franklin Templeton’s 529 College Savings Plan, discusses some tips and strategies to help fund a college education, including a new platform leveraging the concept of crowdfunding.

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Education

The Least-Known Tax Break?

Gail Buckner, CFP, our personal retirement and financial planning strategist, walks through a little-known tax credit called the “Saver’s Credit” you may want to learn more about.

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Education

Cracking the Code on Social Security Benefits

Gail Buckner, CFP, cracks the code on how Social Security benefits are calculated, and offers some strategies on how to maximize it.

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Education

A Case Study in Retirement Planning: Why It Can Pay to Delay

There are a lot of factors to consider when it comes to retirement. Since January is a month for resolutions, if you don’t have a retirement plan, perhaps formulating one should be one of yours!

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Education

When It Comes to Retirement, 70 Is a Magic Number

If you are approaching retirement, maximizing your potential income is likely on your mind, and it can pay to plan ahead. Gail Buckner, CFP, our ...

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Education

A Fresh Look at DOL and Retirement Issues Under Trump

Now that the US election is over and a change in Washington is ahead, new policies are likely to come to fruition, and old ones may be revisited. ...

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Education

Don’t Plan on Being Average

Even if you are years away from retirement, it’s never too soon to start thinking about how you’ll get there—and how much you’ll need when you are ...

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Education

Social Security Looks Pretty Good. But Medicare’s Another Story.

On an annual basis, the Trustees of the US Social Security and Medicare trust funds provide their report on the current and projected financial ...

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Education

Strategic Beta: Risk-Management Recipe

Exchange-traded funds (ETFs) are now an established item on the investment menu, and there are now many flavors to choose from. Proponents claim ...