Secured Retirement Financial Blog

We help individuals and families work toward achieving their ideal retirements.

The financial consequences of living a long life

By info | May 14, 2019 |

Kane Tenaka lives in Japan and loves playing board games, studying math, and practicing her calligraphy. But the most remarkable thing about Kane Tenaka is that she’s 116 years old, and was just recognized as the oldest living person in the world. These stories are always a great wake-up call that we’re living longer than…

Why Diversifying Your Income is Critical in Retirement!

By info | May 1, 2019 |

Here are some recent headlines from The Wall Street Journal, MarketWatch and Investment News that should get your attention … “Medicare trust fund will be exhausted in 2026.” “Social Security to Tap into Trust Fund for the First Time in 36 Years.”  “Stock Market Returns Over the Next Decade Will be Well Below Historical Norms.”…

Don’t Let These 4 Tax Traps Ruin Your Retirement

By info | April 23, 2019 |

Most people are focused on their investment returns, but they’re ignoring the one thing that could have an even bigger impact on their nest egg. Taxes. Taxes will likely be your biggest expense in retirement. Below are 4 retirement tax traps you should get in front of before you start planning that retirement party. Retirement…

Various Types of “Economies”

By Joseph Lucey | July 31, 2018 |

As recently as five years ago, few people had heard of emerging businesses like Airbnb and Uber that allow proprietors to share their personal residences and cars to generate income. This business model is now commonly referred to as the “sharing economy.” 1 However, just as capitalism morphs, so does the concept of sharing. For…

Market Trends

By Joseph Lucey | July 24, 2018 |

Fueled by more plentiful jobs, the U.S. residential real-estate market is skyrocketing. In some areas, particularly major metropolitan cities, buyers are struggling to either find or afford a home. Those lucky enough to find the right place have to move quickly — gone are the days of extensive deliberation on whether a house fits every…

Family Business Considerations

By Joseph Lucey | July 10, 2018 |

Family businesses that manage to survive generation after generation leave not only a family legacy, but also the potential for tremendous wealth. For example, Arkansas-based Walmart is presently the largest business in the world in terms of revenue, earning more than $485 billion in 2017. In 1992, founder Sam Walton passed away and left his…

Retirement Investing

By Joseph Lucey | July 3, 2018 |

Retirement planning looks much different than it did a century ago. With lifespans and retirements lasting longer, it’s not just about planning for a financial future; we must also create a post-career strategy that takes into account emotional, intellectual and quality of life challenges during later years. After all, we don’t just stop enjoying life…

Strategies for Optimal Social Security Payouts

By Joseph Lucey | June 26, 2018 |

Social Security benefits are typically synonymous with retirement income. It would be inefficient to create a retirement plan without first estimating how much you will receive from the government.1 According to a 2018 report, Social Security benefits represent approximately:2 33% of elderly income 50% or more of income for about half of elderly married couples At…

Consider Having a Backup Plan

By Joseph Lucey | June 19, 2018 |

When looking ahead in anticipation of Social Security benefits, many people expect to wait until an average age of 66 to make a claim.1 However, Nationwide Retirement Institute’s fifth annual Social Security survey found many retirees start drawing Social Security at the earliest possible age of 622 — frequently the result of being laid off or…

The Income Gap and the Economy

By Joseph Lucey | June 12, 2018 |

The income gap between the wealthy and the poor is widening in the U.S.1 Why does that matter? Because there are studies that indicate a wide swathe of income differentiation is not good for economic growth. In the years following the Great Recession, we often heard how slowly the economy was recovering. That was true for…

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