Retirement Is a Beginning
Aug 17, 2022
How do you know you if you are psychologically ready for retirement?
As a start, ask yourself four questions. (more…)
Tags: financial advisor, Income Planning, Investment Planning, retirement, Retirement Planning
3 Shrewd Maneuvers in a Down Market
Jun 29, 2022
It’s natural to think “defense” during a bearish market season. But why not mix in some “offense” with your defense? Here are three moves we can discuss together that may be helpful during the current market downturn. (more…)
Tags: Certified Financial Planner Charlotte NC, charlotte NC, Financial Planning, Income Planning, Investing, Personal Finance
Bad Money Habits to Break
Feb 2, 2022
Do bad money habits constrain your financial progress? Many people fall into the same financial behavior patterns, year after year. If you sometimes succumb to these financial tendencies, now is as good a time as any to alter your behavior. (more…)
Tags: financial advisor charlotte nc, Financial Planning, Income Planning, Investment Planning, Personal Finance
Step-Up CD
Jan 10, 2022
When interest rates start to climb, will these be the CD to own?
Step-up certificates of deposit (also called rising-rate CDs) are fixed-income investments with a bit of wiggle room. When you have CDs with a step-up provision, you have a chance to exchange the initial yield for a better one as interest rates rise. Given currently underwhelming long-term CD yields, what CD owner wouldn’t want that option in the future? (more…)
Tags: Financial Planning, Income Planning, Investment Planning, Personal Finance
Retire Single
Dec 6, 2021
About 6% of Americans 65 and older have never married. That statistic comes from a 2019 Census Bureau report, which also found that 22% of Americans aged 65-74 live and retire alone. (more…)
Tags: Family Wealth, Financial Planning, Income Planning, retirement, Retirement Planning
Mixed Signals on Inflation
Aug 25, 2021
Are you having a tough time keeping track of mixed inflation signals? You’re not alone.
Consumer prices in July climbed at their fastest rate since August 2008. Worse, producer prices, which can be an indicator of future price changes at the consumer level, rose at the highest rate since tracking began.1 (more…)
Tags: Current Events, financial advisor charlotte nc, Income Planning, Investing
Inflation Can Be a Scary Word
May 21, 2021
Inflation can be a scary word for people who are retired. It’s code for “prices are going up, but my income may stay the same.” (more…)
Tags: Current Events, financial advisor charlotte nc, Financial Planning, Income Planning, Investing, retirement
Retirement Blind Spots
Dec 9, 2020
We all have our “blue sky” visions of the way retirement should be, yet our futures may unfold in ways we do not predict. So, as you think about your “second act,” you may want to consider some life and financial factors that can suddenly arise. Nobody likes having retirement blind spots
You may end up retiring earlier than you expect. If you leave the workforce at “full” retirement age (FRA), which is 67 for those born in 1960 and later, you may be eligible to claim “full” Social Security benefits. Working until 67 may be worthwhile because it will reduce your monthly Social Security benefits if you claim them between age 62 and your FRA.1 (more…)
Tags: Certified Financial Planner Charlotte NC, Income Planning, Long-Term Care Planning, Retirement Planning, Retirement Tax Savings
A Windfall Inheritance Comes Your Way
Nov 16, 2020
Here’s a windfall scenario for you: You pick up what appears to be a lottery ticket. You check the numbers for a laugh and discover a winning combination, offering you millions of dollars in prize money. What are the chances of that? (more…)
Tags: Certified Financial Planner Charlotte NC, Estate Planning, Family Wealth, financial advisor, Financial Planning, Income Planning, Investing, Investment Planning, Investment Portfolio, Investments, Personal Finance, Spending Habits, Wealth Building
Social Security Questions to ask Before Claiming
Aug 17, 2020
Determining when to take Social Security benefits is a complicated financial decision. Here are a few things to think about and discuss with your financial professional. (more…)
Tags: Family Wealth, financial advisor, Income Planning, Personal Finance, Retirement Planning, social security
More Insights
Jun 6, 2025
You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your … Continue reading “Estimating Your Retirement Income Needs”
Jun 4, 2025
As June begins, markets continue to navigate a complex landscape shaped by trade policy shifts, an uncertain economic and earnings outlook, and bond market headwinds. Several key developments in recent weeks may have implications for markets:
Apr 4, 2025
April showers came a month early as stocks fell in March. Tariffs were the primary cause of the market jitters, although that uncertainty became too much for markets to shrug off once economic data started to weaken.
Apr 2, 2025
A successful investor maximizes gain and minimizes loss. Though there can be no guarantee that any investment strategy will be successful and all investing involves risk, including the possible loss of principal, here are six basic principles that may help you invest more successfully.
Mar 31, 2025
Losing a spouse is a stressful transition. And the added pressure of having to settle the estate and organize finances can be overwhelming. Fortunately, there are steps you can take to make dealing with these matters less difficult.
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