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Inflation: Expectations for 2018

May 22, 2018

It seems as if inflation has been biding its time. Since the financial crisis a decade ago, growth in prices and wages has been muted.1 However, many financial analysts believe that’s about to change.     A jobs report from early March revealed continued hiring and a moderate increase in wages. The stock markets welcomed…

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Exclusive vs. Inclusive Investing

Mar 15, 2018

There are many different approaches to investing in the stock market, but most fall under two categories: exclusive and inclusive. Exclusive means conducting thorough research on prospective companies and investing in a portfolio of select, thoroughly vetted securities. One of the advantages of this approach is that if an investor’s research pans out, he could…

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Assessing Risk

Jan 23, 2018

It is common to have a very traditional interpretation when we think of investment risk, such as the belief that stocks are seen as a risky investment, and bonds less so. But many issues have come to light in the past decade that cause us to think about risk differently. For example, there’s the risk…

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Artificial Intelligence: Innovation for Today’s World

Jan 16, 2018

Artificial intelligence (AI) is rapidly changing the way businesses build products and even provide customer service. We now have automated virtual assistants and “chatbots” answering customer service calls.1 We even have self-driving cars being tested for pizza delivery.2   These quantum leaps in technological advances present both opportunities and challenges. For example, the way we…

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Update on the DOL Fiduciary Rule

Jan 9, 2018

In August, the Department of Labor (DOL) proposed to delay the launch of the final portion of the new “fiduciary rule” until July 2019. Part of the rule went into effect in June of this year, mandating that any financial professional making financial recommendations to a client with regard to an individual retirement account (IRA)…

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Falling Assets

Jan 2, 2018

Here’s some good news: The Center for Retirement Research (CRR) at Boston College reports that between 2013 and 2016, households led by someone between age 55 and 64 in the second-highest income quintile had an increase in retirement income. These wealthy households more than doubled their combined 401(k)/IRA assets – to a median total of…

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Monetary Systems

Dec 27, 2017

In the days before cash, people bartered goods and services. Then we established various forms of “cash” payments, from paper bills and coins to checks, credit and debit card payments. It seems that the more we progress, the less we use physical cash.   Naturally, just because we’re not breaking out a wad of bills…

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Year-End Tax Tips

Dec 21, 2017

As of this writing, Congress is attempting to reform our tax code. While changes are common with every new presidential administration, an initiative so transforming as to be called “tax reform” is quite unusual — the last major tax overhaul happened during the Reagan administration in 1986.1   According to Fox News, some who may…

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Investing for the Long Term

Nov 21, 2017

What does the phrase “long term” mean to you? For children, long term can mean waiting for Christmas or summer vacation that feels like a million years away. For young adults, long term may reference how long it takes to pay off student loans. As we get older, we begin to understand that long term…

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When One Spouse Retires First

Nov 14, 2017

It’s easy to think of retirement and dream of a relaxed stroll into the sunset with your significant other by your side. After all, many advertisements repeat this theme with salt-and-pepper-haired couples strolling hand in hand across a beachfront.   Yet, this is not always the case. Anymore, we often see couples retire at different…

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