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Secured Retirement Financial Blog


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

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,…

Assessing Risk in Retirement Income

By Joseph Lucey | October 10, 2017 |

When it comes to investing, there’s no such thing as a “safe bet.” Every type of financial vehicle has some level of risk, even checking and savings accounts. Back in the 1920s, people believed that the safest place to keep their money was a bank, and they were right. But as they witnessed during the…

Trends in Philanthropy

By Joseph Lucey | October 9, 2017 |

Americans are big givers, data on philanthropic donations suggests. In 2016, we donated more than $373 billion to charitable organizations – a record amount – and Indiana University’s Lilly Family School of Philanthropy projected 2017 would see a 3.6 percent increase in giving. Among the recipients of this largess were progressive causes that appeared to…

Distribution Strategies

By Joseph Lucey | October 4, 2017 |

It can take years to build up a retirement nest egg. However, without a prudent distribution strategy in place, funds can drain pretty quickly. About half of larger employers that sponsor a 401(k) plan offer a systematic withdrawal option to help retirees establish an automatic stream of income. If that’s not an option with your plan,…

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