Portfolio Management

A financial advisor can be the key to unlocking a secure financial future, but not all advisors offer the same services and expertise. For example, you may have encountered terms like “broker-dealer” and “registered investment advisor.” While both of these titles refer to experts in the financial field, they play distinct roles when it comes to your investment strategy. What Is a Broker-Dealer? Broker-dealers are firms or individuals licensed to buy and sell securities on behalf of their customers or for their own account. They can either “broker” transactions (acting as an agent for their customer) or “deal” transactions Read More

Have you planned for healthcare in retirement? In most cases, retirees leverage Medicare to cover the majority of the costs, but it shouldn’t be your only line of defense. Medicare, while a cornerstone of retiree healthcare, isn’t a catch-all solution. It doesn’t cover every possible medical expense, leaving gaps you may have to fill using out-of-pocket funds. However, with strategic portfolio management (SPM), you can meet these challenges head-on. By aligning your investment goals, risk tolerance, and time horizon with your healthcare needs, you can make sure that your golden years remain golden. Understanding Portfolio Management and Medicare Medicare, Read More

If you’ve accumulated a substantial sum of money, you might be looking for a highly liquid place to store your cash. Money market accounts and mutual funds both fit the bill, but there are key differences you need to know, especially when we consider the recent bank failures occurring across the country. Here, we go over both types of accounts and how they keep your money safe. Money Market Mutual Funds vs. Money Market Accounts: An Overview Money market accounts (MMAs) and funds are similar in that they both generate interest from short-term debt. Beyond that, however, these two Read More

Just a couple of months ago, the failures of Silicon Valley Bank and Signature Bank shook the financial industry and its consumers, and now, First Republic Bank has closed its doors as well. This has likely left you wondering: Is my money safe? Should I be prepared for more bank failures?While some experts predict ongoing failures, there’s no way to know what the future holds. However, we can be sure that the Federal Deposit Insurance Corporation (FDIC) will keep certain funds protected.Read on to learn more about FDIC insurance and how it applies to you.What Is the FDIC?The Federal Deposit Read More

Whether you’re focused on diversifying your portfolio, preserving your capital, or generating income, fixed-income securities could make a valuable addition to your financial plan. Here are all of the basics you need to know about these investments. What Is Fixed Income? Fixed income is an investment approach that gives investors a steady income stream. Investors lend money to companies or governments and, in exchange, receive fixed interest payments. Once the fixed-income security reaches its maturity date, the borrower repays the investor the principal amount. Let’s say you purchased a bond for $100,000 with a 2.5% interest rate. You would Read More

Retirement: The time you finally get to reap the rewards of your decades of hard work. However, just because you’re done with your 9 to 5 (or almost done), it doesn’t mean you need to stop building your savings with a strategic investment strategy. In fact, investing can be crucial to preserving your retirement nest egg—while still providing opportunity for growth. Before you begin your new investing journey, here are some key considerations you need to know. What Should Your Objectives Be? Everyone has their own goals and priorities when it comes to investing. However, older investors tend to follow Read More

When it comes to saving for retirement, there are many strategies that can help you make the most of your money. But do you know which strategy best aligns with your goals? If you’re looking for a reliable, long-term way to meet your spending needs, a total return strategy may just be for you. What Is Total Return Investing? More Than Just Yields. When considering investment strategies, investors tend to focus on yields, or the amount of income an investment generates. This is often a solid strategy for retirees or anyone that is focused on regularly generating high income Read More

Wishing you could inflation-proof your finances? You’re not alone. While everyone is subject to the effects of inflation, there are a few things you can do to minimize its impact on your investment portfolio. Inflation is being talked about and felt everywhere these days. This loss of purchasing power (meaning your dollar won’t go as far tomorrow as it did today) is evidenced by the consumer price index, which increased 7% over the 12-month period ending in December 2021 —the fastest increase since 1982. Inflation is a fact of life and of investing. This means that there is no Read More