Secured Retirement Financial Blog

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

How Changes in Spending Impacts Retirement

By Joseph Lucey | February 27, 2018 | 0 Comments

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…

How Losing Sleep Could Translate to a Loss of Money

By Joseph Lucey | February 20, 2018 | 0 Comments

Some teenagers seem to sleep a lot. As parents and grandparents, we can find this rather aggravating. But the fact is, as we get older, our sleep patterns may change, and our sleep can be less restful.1 Perhaps it’s a good idea to let young people sleep in peace while they still can. Scientists say…

Evolution of the 401(k)

By Joseph Lucey | February 13, 2018 | 0 Comments

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…

Financial Planning to Care for the Caregivers

By Joseph Lucey | February 6, 2018 | 0 Comments

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…

The Impact of Income Inequality

By Joseph Lucey | January 30, 2018 | 0 Comments

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…

Are We Moving to a Cashless Society?

By Joseph Lucey | January 22, 2018 | 0 Comments

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. Just because we’re not breaking out a wad of bills doesn’t mean…

Exclusive vs. Inclusive Investing

By Joseph Lucey | January 22, 2018 | 0 Comments

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…

Walk It Off

By Joseph Lucey | December 19, 2017 | 0 Comments

It seems the older we grow, the more sedate some of us become – particularly during retirement. It takes an effort to put regular, daily exercise into our routine, but the rewards are worth it. In fact, scientists report that chronic sitting can increase the risk of early death. New research reveals that walking as…

The Case for a Rising Equity Glide Path During Retirement

By Joseph Lucey | December 18, 2017 | 0 Comments

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…

Experiences Over Possessions – Live, Love, Laugh and Save Money

By Joseph Lucey | December 13, 2017 | 0 Comments

Make a list of the top 10 things you want in life that you currently have not achieved. Then make a list of the 10 most expensive things you bought over the last month. How do they align? Could you have cut back on some of your most recent purchases to help achieve one of…

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