CONTACT US: (952) 460-3260 / info@securedretirements.com

The Student Housing Investment

It’s hard enough for students to come up with the money to pay the rising cost of college tuition, but what about room and board? In fact, at some colleges, the amount charged for housing has increased at a faster rate than tuition. This expense offers an opportunity for family members to help out. In some…

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Retiring Abroad?

Have you ever contemplated retiring abroad? There’s a lot to think about! To name a few: Location Health Insurance Tax and Financial Needs Read more in this 8-Step Checklist then contact us at info@securedretirements.com or call us at (952) 460­-3260 to schedule a time to discuss your financial situation and the potential role of investments in your…

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Active Money Management

Money doesn’t save itself. It doesn’t invest itself. It requires action upfront. Even if an investor engages in passive money management, he first should decide on his goals, his tolerance for risk, how he wants to invest, where he wants to invest, where the money will come from and if he can save/invest in a…

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How Grandparents May Benefit From College Funding

With the increase of student loan debt over the past 10 years, more grandparents are taking on the role of college funding. In fact, a Fidelity survey in 2014 found that 72 percent of grandparents feel it’s important to help out in this regard. Many retirees walk a tightrope between wanting to make gifts to…

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It’s never too early to start saving for retirement

According to a 2016 Retirement Income Strategies and Expectations survey, 70% of millennials are anxious about saving for retirement. So if you’re one of the millennials who gets anxiety every time mom or dad brings up the importance of your retirement funds, take a deep breath. Read more in the article It’s never too early…

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Trends in the ETF Market

In recent months, there has been a recent movement out of actively managed investments into passively managed instruments such as exchange-traded funds. Globally, ETFs gained more than $270 billion in 2016. An ETF is a single investment vehicle that tracks all of the securities within an index, a commodity, bonds or a group of assets…

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What If Medical Underwriting Returned?

If you purchased health insurance in the individual marketplace before implementation of the Patient Protection and Affordable Care Act of 2010 (ACA), then you’re aware of the challenges that came with that process. Applicants had to complete lengthy questionnaires detailing current conditions and all diagnoses and treatments (including history of prescription drug use) from their…

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Exercise That Doesn’t Feel Like Exercise

As we get older, it becomes harder for many of us to engage in the fitness and athletic pursuits we’ve enjoyed for years. It’s tougher — both mentally and physically — to play a full round of golf, two sets of tennis or take a daily two-mile walk. It also can be very discouraging to…

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LTC Insurance Considerations

The long-term care (LTC) insurance industry suffers from a similar malady as health insurance: When fewer people buy policies, insurers must charge higher premiums, which, of course, deters even more people from buying policies. With the graying of America, LTC insurance should be a booming business, but in recent years, it’s been rapidly declining. Last…

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What is a “safe” retirement withdrawal rate?

In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year.  A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to…

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