Strong momentum that began in April carried through May, with major stock indexes continuing to climb to new highs. Despite concerns that might normally cool enthusiasm, what fueled the advance? Well, there were two competing themes that dominated market action during May. First, Treasury bond yields trended higher last month in response to concerns about […]
May’s Market Momentum Read More »
Michael Adams is founder of Environics Research Group, a leader in social values research, and author of a book on boomers in retirement. He contrasts the attitudes toward retirement of early boomers (who were then ages 53 to 62) with the previous generation of retirees, who were in their 60s in 1992. As an example,
The Coming Retirement Revolution—And 7 Things It Means for You Read More »
When we last visited with you, markets were struggling under the weight of higher oil prices and uncertainty tied to the war with Iran. While a ceasefire has helped alleviate some worries, as we enter May, oil prices remain elevated, gasoline prices average over $4 per gallon, and the conflict in the Middle East has
March showers bring April flowers Read More »
Retirement as a formal idea and lifestyle is a relatively modern concept. For most of human history, people worked until they were physically unable and then relied on family or community support. It wasn’t until the industrial age that the concept of retirement was born. In 1875, the American Express Company established the first
Not All Retirement Accounts Are the Same: What Everyone Should Know Read More »
Roth accounts can be a key feature of retirement planning for many of your clients—especially in our current lower-tax environment. Here are nine reasons to examine the advantages of Roth accounts. Despite the sweeping tax reforms introduced by the One Big Beautiful Bill Act (OBBBA), Roth IRAs remain a cornerstone of smart retirement and legacy
9 Reasons Why Roth IRAs Make Sense, Even After OBBBA Read More »
It is common knowledge by now that if a person applies for their Social Security benefit after full retirement age (FRA), the benefit will include delayed retirement credits (DRCs) of 8% per year up to age 70. This is enough to entice savvy people—especially higher earners—to claim at 70 even if they retire before then.
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“Social Security is one of the most effective poverty-prevention programs in history. According to the U.S. Census Bureau, it keeps nearly 29 million Americans from sliding into poverty each year,” BlackRock CEO Larry Fink wrote in his 2025 letter to investors. Nonetheless, while it provides a basic level of income, we’re also mindful that Social Security, by
Making Sense of Social Security: The Basics and Key Considerations Read More »
Traders who had donned their Dow 50,000 hats in February watched the oldest and best-known index slide into correction territory last month, shedding 10%. Since its year-to-date peak, the tech-heavy Nasdaq retreated by about 12% at its lowest point. The S&P 500 Index has yet to enter an official stock market correction, with a total
March Comes in Like a Lion Read More »
March Madness—Smart Tax Moves That Save You Money The April 15th tax deadline is just around the corner. For some, you’ll file and be done with the madness sometime in March. Others will sneak in just under the deadline. You may carve out some time to file with a software package. Or, given the complexity of
March Madness—Smart Tax Moves That Save You Money Read More »