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Secured Retirement Financial Blog


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

Ways to Help Increase Retirement Savings and Reduce Your Tax Liability

By Joseph Lucey | November 20, 2017 |

As we head into the homestretch of this year, two things individuals may be seeking are ways to help maximize retirement savings and minimize 2017 tax liability. One way to help do so is by contributing as much as possible to an employer-sponsored retirement plan. Many employers match worker contributions up to a certain point,…

Goals-Based Investing

By Joseph Lucey | November 15, 2017 |

There’s a difference between monitoring an investment and checking its performance on a daily basis. Rather than being concerned about short-term volatility in the market, consider the future purpose or goal of what you want your money to pay for. This is the fundamental idea behind goals-based investing. You don’t just seek out investments that…

The Nature of Risk and Reward

By Joseph Lucey | November 13, 2017 |

Every investment carries some risk. However, it’s a misnomer to think that the bigger the risk you take, the bigger the reward you’ll receive. This may be especially true for those who are near or already in retirement. Consider the story of the tortoise and the hare. The tortoise pursued a slow but steady pace…

The Risks of Aging

By Joseph Lucey | November 8, 2017 |

On the popular television show “Star Trek,” the Vulcan character Mr. Spock was known for his salutation “Live long and prosper.” However, those two concepts may sometimes work at odds with each other, especially if people don’t have a plan for their retirement income. Many retirees can live a prosperous lifestyle, but without a retirement…

Retirement Doesn’t Have to be an All-or-Nothing Proposition

By Joseph Lucey | November 7, 2017 |

The majority of childhood is composed of leisure time, the main chunk of adulthood combines work and play, and then the expectation is to return to play mode during retirement. The issue with that traditional cycle is some people find enjoyment in working. There is a growing trend to retire in phases, or even intermittently,…

Surge in Storms Could Bring Flood Insurance Changes

By Joseph Lucey | November 6, 2017 |

The National Flood Insurance Program (NFIP) was created by Congress in 1968 to offer property owners flood protection that is generally excluded from homeowner’s insurance. Unfortunately, the recent spate of hurricanes and storms has put the program under the microscope. An NFIP policy can be purchased for coverage of up to $250,000 for the home structure…

Charity Vehicles That Keep on Giving

By Joseph Lucey | November 1, 2017 |

Charities operate primarily on the donations they receive. However, it can be difficult for an organization to run at maximum efficiency if it doesn’t know how much funding it will receive from year to year. To help enable better efficiency, many large donors set up charity vehicles designed to grow over time and provide regular…

Spooky season! What's your greatest fear?

By Joseph Lucey | October 31, 2017 |

With spooky decorations in doorways and a smell of leaves in the air, this time of year is all about apple cider and trick-or-treating.  It gets me thinking about scary things that keep people up at night. For most people I know, that fear is outliving their retirement nest egg. If you are concerned that…

Volunteering Vacations

By Joseph Lucey | October 30, 2017 |

Volunteering vacations allow you to donate your vacation time and skills to a worthy cause while expanding your horizons in another culture. Plenty of charitable opportunities do not require special training, such as helping out with child care, tutoring, environmental conservation and working with animals. Before you book your trip, make sure the charity is…

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