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When To “Buy Low”

By safeguard | February 5, 2021 |

The beginning of the year is typically full of hope. We make New Year’s resolutions, and it may take a few months for our enthusiasm (and vigilance) to wane. There’s also the “January Effect,” when the stock market generally gets a performance boost thanks to tax harvesting in December and subsequent reinvestments. But even that…

How To Help Maximize Social Security Benefits

By safeguard | January 27, 2021 |

There are good reasons to delay starting Social Security benefits, but there are also good reasons to begin them early. It really does depend on your circumstances.   If you claim earlier than your full retirement age (FRA), your benefit will be permanently reduced. The age to qualify for the full Social Security benefit varies…

2021 Outlook: Wealth Managers Weigh In

By safeguard | January 15, 2021 |

While challenges likely still lie ahead, there’s no denying we all weathered our fair share of storms in 2020. Now that the calendar has turned to a new year, we looked to wealth managers across the nation to find out what they’re expecting for 2021. As you’ll see, the answer often changes depending on where…

What’s Ahead in the Stock Market?

By safeguard | December 31, 2020 |

In November, the Dow experienced its best month since 1987, while the S&P 500 and Nasdaq indexes enjoyed their best month since April of this year.1    With the election behind us and a vaccine on the horizon, the stock market has plenty to celebrate. Many consumers used the pandemic period to shore up their…

Airline Industry in Trouble

By safeguard | December 23, 2020 |

The airline industry has been largely affected by the COVID-19 pandemic. Secluding people in a confined space with limited air circulation for hours on end is not a great recipe for containing an airborne disease.   However, airlines that have invested in protocols and protections to keep passengers safe are the ones that will likely…

Open Enrollment: Health Care Insurance Takes Priority

By safeguard | December 16, 2020 |

The Patient Protection and Affordable Care Act (ACA) – passed in 2010 and known colloquially as “Obamacare” – has experienced quite a ride. Initially, it was embraced by millions of Americans for whom it afforded tax-subsidized health insurance without access to employer-sponsored coverage. At the same time, it was derided for increasing government sharing costs…

Social Security Updates

By safeguard | December 11, 2020 |

The Social Security Administration (SSA) recently announced a new cost-of-living adjustment (COLA) starting in 2021. Beneficiaries can expect a 1.3% increase in their income payouts next year, which is actually smaller than the COLA increase was for this year.1 For single households, that’s an average increase of about $20 a month; $33 for married retirees.2…

Let’s Talk About Bankruptcy

By safeguard | December 4, 2020 |

According to a recent paper by a Wharton Business School professor, 1 in 10 U.S. households have filed for bankruptcy at some point. Moreover, approximately 1 million file for personal bankruptcy each year. Yet, even in the wake of total household debt soaring to a record $14.3 trillion in the first quarter of 2020, the…

Let’s Talk About… the 401(k)

By safeguard | November 18, 2020 |

 The 401(k) originally began as a company profit-sharing plan. Companies had been funding defined benefit pensions for years, but as their annual profits and stock prices experienced volatility, they looked for ways to share that burden with employees. Through profit sharing, workers made money when the company did and made less during down years. While…

Fixed Income vs. Stock Portfolio

By safeguard | November 13, 2020 |

Early this year, many stopped spending and began saving money. This wasn’t difficult as many areas of the economy were — and possibly still are — shut down. For some, vacation plans were canceled, and the normal level of entertainment activities and dining out have been curbed. If you’ve remained employed, chances are good you’ve…

The Millennial Economy

By safeguard | November 6, 2020 |

The millennial generation hasn’t had it so great. A recent economic analysis reports that since entering the workforce five to 20 years ago, the average millennial has experienced slower economic advancement than any other generation in U.S. history.1 It’s not just a matter of long periods of high unemployment. It’s also because getting that first…

How Climate Change Could Affect the Economy

By safeguard | October 30, 2020 |

Some people believe that climate change is exacerbated by human intervention, while others argue that humans are not a factor. Regardless of what may or may not influence extreme weather events, economists are predicting that the long-term results of climate change could affect more than just our homes and possessions.   In fact, the Congressional…

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