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

retirement planning

Preparing for Retirement — Do You Have a Plan?

preparing for retirement

For much of the 20th century, many employees who spent decades working for one company typically received a pension plan. According to the Center for Retirement Research at Boston College, 88 percent of all private-sector employees in 1975 had a pension.1 With the confidence of knowing their retirement would be covered by pension and Social…

Read More

How Changes in Spending Impacts Retirement

Online shopping has become the norm in the Western part of the world. Experts say mature economies adopted e-commerce quickly because of its strong infrastructure and a trusting financial landscape.1 In other words, consumers could count on receiving goods ordered, vendors knew they would get paid and any conflicts were protected by a reputable credit…

Read More

Evolution of the 401(k)

When employer-sponsored 401(k) plans were introduced in the 1980s, an unexpected consequence occurred: Pensions stopped being the norm. One reason is that companies found 401(k) plans less expensive than traditional defined benefit plans.1 At the time, 401(k) plans were touted as an opportunity for greater earnings and a richer retirement lifestyle. While it’s true that…

Read More

Financial Planning to Care for the Caregivers

If you picture yourself receiving long-term care at some point, you likely envision a medical professional sitting bedside, tending to your needs. However, the bulk of long-term care in the U.S. is actually provided by family caregivers.1 According to a recent Merrill Lynch study, 20 million Americans become caregivers each year. Moreover, family caregivers collectively…

Read More

The Impact of Income Inequality

As it turns out, income inequality can be an issue for all society, not just the poor. A new study of high-earning clients of a bank’s wealth management unit tracked the fortunes of male and female young adults to learn how income inequity would impact their lives. The assumptions had both genders starting out in…

Read More

Exclusive vs. Inclusive Investing

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…

Read More

The Case for a Rising Equity Glide Path During Retirement

Financial advisors often recommended that retiring investors transition growth assets to more conservative options. This is due to a concept called “sequence of returns.” If the financial markets decline at the beginning of retirement, an investment portfolio could be reduced to the point in which retirement income is greatly affected. To help avoid this negative…

Read More

Investors in an Aging Bull Market

Many investors who have participated in the eight-year bull market have done well. But those approaching retirement may wonder if it’s time to transition assets to more conservative holdings. Here are factors to consider before making a decision about changing your portfolio: The U.S. economy and markets are still in good shape. U.S. stock valuations…

Read More

New Year’s Resolutions

This is the time we start thinking about setting New Year’s resolutions for the coming year. However, consider for a moment that this tradition may be a bit shortsighted. Did you know that J.K. Rowling created a detailed outline of all seven Harry Potter books before she began writing? And George Lucas envisioned at least…

Read More

Investing for the Long Term

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…

Read More
Register Today!
Register Now!
X