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The War on Oil Prices

By Safeguard Investment | April 25, 2022 |

As with any major global conflict, we learn things. The pandemic taught the U.S. the importance of reshoring manufacturing jobs, so we aren’t beholden to other nations, like China, for many of our consumer goods, from medicines to electronics.1 One of the key lessons emerging from the Russia-Ukraine conflict is self-reliance for energy sources, such…

The Value of Multiple Retirement Income Streams

By Safeguard Investment | April 6, 2022 |

Retirement planning was historically a little easier. For instance, the average life expectancy in 1950 was 68 years old.1 If you retired at age 62, your retirement plan might need only six years of retirement income. Additionally, with the decline of defined benefit pension plans, only 14% of private industry employees receive a pension today.2 Since…

Not All Fiduciaries Are Created Equal

By Safeguard Investment | March 21, 2022 |

Written by Investment Advisor, Rick Rivera The word “fiduciary” has popped up a lot lately in commercials, in print ads, and in general conversation regarding financial advisors. But what exactly is a fiduciary — and how do you know you’re working with the right one for you? Definition of Fiduciary Investopedia defines a fiduciary as…

How Could Inflation Affect Your Retirement?

By Safeguard Investment | March 16, 2022 |

In recent months, Procter & Gamble has raised prices for its Tide, Gain, Downy and Bounce product portfolio. It recently announced that this spring, consumers also will start paying more for many of its personal health care brands. The company is hardly alone. Nestle, Danone, Unilever and other consumers goods giants say their prices will…

self employed

Retirement Plans for Self-Employed People

By Safeguard Investment | February 15, 2022 |

As America’s work environment continues to evolve, one thing that has become evident is that — in many cases — the work-from-home (WFH) model has proved to be effective and even cost-efficient. However, many companies with significant investments in their office buildings and campuses are not likely to want their employees to keep working from…

Married couple looking over their finances together

Financial Perspective: Marry, Cohabitate or Stay Single?

By Safeguard Investment | February 1, 2022 |

People have many different reasons for getting married or not getting married. But for some committed couples, it can come down to a few basic points. One of those is finances. If they hold very different opinions or have contradictory habits when it comes to spending money, finances can become a deal-breaker — much like…

Navigating Market Volatility: It’s All About Perspective

By Safeguard Investment | January 26, 2022 |

Market volatility makes investors nervous. Logically, we know markets go both up and down, and reaping the rewards of investing comes with a degree of risk. That’s easy to remember in times of growth, but it’s much harder when market volatility arrives and we feel compelled to take action based on emotions, not logic. With…

4 Myths of Long-Term Care

By Safeguard Investment | January 18, 2022 |

Today, Americans live longer, which means we must address long-term care costs when considering retirement planning.  In 1950, the life expectancy for men was 67 years, and 72 years for women.1 Today, according to the Social Security Administration, a 65-year-old person can expect to live an additional 19 to 21 years on average. What’s more, the…

What’s Up With Inflation?

By Safeguard Investment | January 6, 2022 |

Inflation was already on the rise before we learned about the omicron variant. Now on top of supply-chain shortages and transportation disruptions, Federal Reserve Chairman Jerome Powell recently observed that a resurgence of COVID-19 cases could reduce the consumer-driven boom we’ve enjoyed for the past few months. Safety concerns could result in more workers being…

The labor shortage is fueling demand for higher wages and supply chain disruptions are causing higher prices

Low Supply Increases Demand

By Safeguard Investment | December 23, 2021 |

Across the board, we’re seeing the capitalist principles of supply and demand both drive and curb U.S. economic activity. As more people have emerged from their hermit-like existence throughout the past year and a half, consumer spending is shifting from goods to services. For example, the services industry (e.g., restaurants, travel, hospitality) is on the…

Who Wants A Job?

By Safeguard Investment | November 25, 2021 |

An important economic driver for America — working consumers — is dwindling. For example, the Denver International Airport recently hosted a concessions job fair to fill around 1,000 openings at the airport for jobs at stores, restaurants, and other businesses. Only 100 people attended the fair.1   Money could be one issue. In Georgia, Kentucky,…

Pets and Pet Insurance

By Safeguard Investment | November 19, 2021 |

One of the silver linings coming from the pandemic is that when pet shelters had to close temporarily during lockdowns, a call went out for foster homes so animals would continue receiving the necessary attention. Many of those pets were so loved that they were adopted rather than returned to shelters.   In other cases,…

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