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Secured Retirement Financial Blog


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

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…

Losing a Furry Friend

By Joseph Lucey | October 25, 2017 |

Many of us rely on the unconditional love and support of a pet, and the sadness we feel when we lose one can be devastating. But because the process for how we mourn the loss of a pet is quite different from that of a person, our coping mechanisms can be hindered. For example, we…

What Type of Investor Are You?

By Joseph Lucey | October 24, 2017 |

Each person is unique. We are composed of many variables, such as genetics, family influence, geographic influence and even the birth order among siblings – a veritable combination of the forces of biology and society. So when it comes to managing your finances, the debate isn’t about nature versus nurture; it’s both. For example, consider two…

How to Take Off Without Breaking the Bank

By Joseph Lucey | October 23, 2017 |

Value Flight Offerings on the Rise For travelers jet-setting all over the world, finding airfare at the right price may be the most stressful part of the vacation. The rise of cheap, no-frills nationwide airline options have provided more than affordable flights — they’ve offered stiff competition to the major airlines. This may partially explain…

IRS News to Know

By Joseph Lucey | October 18, 2017 |

As we head into the final quarter of 2017, it’s a good idea to stay cognizant of any tax issues that may affect your finances come April 2018. Now is the time to review your investments and income distribution plans to help ensure you don’t trigger additional taxes or penalties later on. We can help…

Annuity Options

By Joseph Lucey | October 17, 2017 |

For retirees concerned about outliving their retirement income, one option to consider is to use a portion of assets to purchase an annuity. Annuities offer many different options, from starting income payouts right away with an immediate annuity to delaying them until a later date with a deferred annuity. An annuity is a long-term contract…

“Spendaphobia”: The Reluctance to Spend

By Joseph Lucey | October 16, 2017 |

It is widely recognized that America’s economic growth since the 2008 recession has been slower than that of past recoveries. Some economists believe this is due in part to Americans putting more money into savings and spending less. The desire by a large percentage of the population – including baby boomers – to contribute to their…

The Power of Meditation

By Joseph Lucey | October 11, 2017 |

The Science of Worrying Worrying; it’s part of being human. Retirees might be concerned about running out of income, poor health or how the world has changed and what that means for their grandchildren. Parents might worry about everything from money and work to family, health and nutrition. The problem is, the more we worry,…

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