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Secured Retirement Financial Blog


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

Investing for the Long Term

By Joseph Lucey | November 28, 2017 |

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…

Don’t Forget to Leave Time for Leisure

By Joseph Lucey | November 27, 2017 |

Sometimes it seems like there aren’t enough hours in the day. We make lists and check off the activities we manage to complete — because that makes us feel productive. We might even put fun things on that list — like yoga class, reading for an hour or calling a friend — in case we…

Thanksgiving!

By Joseph Lucey | November 22, 2017 |

This time of year sees turkeys land in the freezer and age old family recipes come out to see the light of day again. While a delicious feast and time spent with loved ones are certainly the highlight of November, I like to pause and reflect on gratitude – the backbone of Thanksgiving. Did you…

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…

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