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We help individuals and families pursue their ideal retirements.

Contingency Plans to Help Weather the Unexpected

By teri | April 24, 2020 |

  Financial advisors often tell clients to keep an emergency fund of liquid assets, with enough to cover three to six months of living expenses. It makes you wonder why America’s largest companies don’t maintain a similar practice, with three to six months of emergency savings to help keep workers on payroll during difficult times.…

Insuring Income During The COVID-19 Outbreak

By teri | April 9, 2020 |

  As the COVID-19 strain of the coronavirus flows through our nation’s population, many Americans may find themselves working shorter shifts, working from home, on paid or unpaid medical leave, furloughed or even laid off. While additional remedies from federal, state and local governments may be forthcoming to help households sustain financial stability, there are…

The Coronavirus and Other Risks

By teri | March 20, 2020 |

One of the reasons investing never gets boring is because it is an ever-changing, never-sleeping industry that presents new opportunities — and new risks — every day.   China, home to much of the world’s manufacturing, has been hard hit by the epidemic. In its wake, travel has been one of the first casualties. This…

Climate Change: A World of Opportunity

By teri | March 6, 2020 |

    According to the National Oceanic and Atmospheric Administration, the amount of heat stored in the upper levels of the ocean reached an all-time high in 2019. This is a primary factor that contributes to the rise in sea levels. Furthermore, the world’s five warmest years have all occurred since 2015.1   On the…

RMD Considerations

By teri | February 27, 2020 |

With people living longer and benefiting from the long-running bull market, there are more factors to consider in taking required minimum distributions (RMDs) from retirement accounts. The traditional IRA, SEP IRA and 401(k) plans offer tax deductions on contributions and tax-deferred growth on earnings during the accumulation phase, but eventually the government wants you to…

Financial Tips For 2020

By teri | February 21, 2020 |

The U.S. has enjoyed 10 years of a booming stock market and a growing economy. It’s too early to tell how 2020 will look, but there are some signs that it doesn’t look quite as promising. Between warnings of a possible economic pullback and a contentious presidential election year, investors may want to consider financial…

Dealing with Anxiety? Learn Ways to Cope

By teri | February 5, 2020 |

Anxiety is the most common mental complaint in the U.S., with more than 40 million people suffering from it on a regular basis, according to the Anxiety and Depression Association of America.1 Factors such as genetics, personality or life events can contribute to anxiety, but it’s important to recognize that anyone can experience serious and…

First-Time Homebuyer? Here’s How to Prepare Financially

By teri | January 28, 2020 |

  Are you thinking of buying your first home? Before you hire a real estate agent or start house hunting, you need to take the time to prepare yourself financially. By improving your finances and educating yourself as much as possible, you can buy your new home with fewer monetary concerns and a positive outlook…

Can Your Portfolio Weather an Economic Storm?

By Safeguard Investment | November 5, 2019 |

Let’s talk a little about famous last words. On Nov. 8, 2007, then-Federal Reserve Chairman Ben Bernanke told lawmakers that the U.S. economy did not appear headed for recession. One month later, the Great Recession of the 21st century began.1 So, on Sept. 6 of this year, when Fed Chair Jerome Powell announced that he…

Biometrics vs. Hackers

By Safeguard Investment | October 29, 2019 |

Most people using the internet to shop, conduct financial transactions or read firewall-protected content are likely familiar with the aggravation of maintaining passwords. Worse yet, tech experts now say conventional password security is only a marginal defense against hacking.1 We are now entering a new age in electronic security for the average user — one…

Climate Change and Clean Living

By Safeguard Investment | October 24, 2019 |

We frequently hear about the various effects of climate change and how they can be mitigated. It often feels as though households and companies must make significant sacrifices to undo a lot of the damage that’s been done. However, there also are many positive benefits that can come from making certain changes, both locally and…

The Work/Life Balancing Act

By Safeguard Investment | September 20, 2019 |

Researchers have estimated how much of our lifetime is spent on various activities. For example, based on a lifespan of 80 years, the average person will spend:1   26 years sleeping 7 years trying to get to sleep 13 years at work 8 years watching TV 5 years eating 3 years on social media 3…

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