Fixed and Fixed Indexed Annuities Retirement should be a golden era for relaxation, exploration, and pursuing long-cherished passions. However, many retirees find this phase marked by financial stress, a sharp contrast to their imagined utopia. They grapple with two primary pain points: income uncertainty and loss of principal. Fixed and indexed annuities may present an […]
As people age, the need for long-term care services becomes more likely. In fact, about 70% of people over age 65 will require some form of long-term care during their lives. Long-term care includes a range of services that help meet health or personal needs. It can be provided at home or in residential facilities […]
Retirement is a time of life to look forward to, but understanding the associated tax obligations regarding retirement income can be intimidating. This blog will take you through the basics of retirement tax obligations, analyzing the different types of retirement income and potential strategies for reducing taxes owed. As always, consult your tax and retirement […]
“The key to having great diversification in your portfolio lies in finding assets that are not closely correlated. Could gold and other precious metals be one such non-correlated investment.” Eric Coons As a financial advisor, I am a strong proponent of portfolio diversity. No matter what your risk tolerance or long-term money goals may be, […]
“Inflation causes your savings and fixed income assets to lose purchasing power as time passes and the cost of goods and services goes up. Inflation can alter your standard of living and is especially problematic for retirees.” – Eric Coons Many retirees are worried that government spending and budget and trade deficits have created a […]
“Digital money is already here, and it’s prolific. According to the Harvard Business Review, over 97% of money currently in circulation results from online transactions.” Eric Coons You’ve probably noticed that cash transactions have become as rare as payphones these days (Wait! What’s a payphone?). In 2010, for instance, nearly half of all financial transactions […]
“If you’re considering moving when you retire, have you considered the potential tax issues?” Eric Coons Many retirees choose to move after retiring, whether to be closer to kids and grandkids, enjoy more leisure activities, or make their retirement dollars go further. However, if you’re thinking of relocating, be sure you don’t focus solely […]
It’s more or less a given that the asset allocation of a person’s retirement portfolio should evolve as they age. Many advisors use the glide path formula to achieve the appropriate balance.” Eric Coons Thousands of advisors use an investment strategy known as the “glide path” to adjust the mix of investments in their clients’ […]
“For certain people within 7-10 years of retirement, adding real estate to create passive income makes sense. Just be sure you have a well-thought-out game plan before you wade in.” Eric Coons The closer many of us get to retiring, the more we desire investment alternatives that can help ease some of the sting caused by […]
“Depending on to whom you listen, the recent GameStop “short squeeze” affair will have little to no impact on long-term investors, or… it will change everything.”-Eric Coons If you saw the film The Big Short, starring Christian Bale, then you have undoubtedly heard of the standard Wall Street practice of “short selling.” While there are […]
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