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We help individuals and families pursue their ideal retirements.

Employers: Lessons From the Pandemic

By safeguard | September 11, 2020 |

We’ve learned a lot about infectious diseases this year, as well as how to adapt our lifestyles in response to a pandemic. It will be interesting to see if and how U.S. businesses adjust their operational models to account for the potential for future pandemics or other catastrophic events.   According to the employment-population ratio,…

What’s Going on in Real Estate?

By safeguard | September 4, 2020 |

Overall, the U.S. residential real estate market has held up fairly well so far during the global pandemic. Industry experts say that the current economic decline is expected to affect retirement a bit differently than the Great Recession, largely due to housing prices remaining strong in many areas of the country.1   One reason is…

The High Price of Health Care in America

By safeguard | August 28, 2020 |

If the U.S. health-care sector was a separate country, it would be the fourth largest economy in the world when measured by gross domestic product. Currently, the nation spends an average of $3.5 trillion annually on health care, more than Australia, Brazil, Canada, China, France, Germany, Italy, Japan, Spain and the United Kingdom combined.1  …

College Disrupted

By safeguard | August 20, 2020 |

Colleges all over the country have introduced incoming freshmen to orientation online, an entirely different experience. The online format offers several advantages in that more information can be presented and web pages bookmarked for future reference. This may be preferable to the barrage of information students normally receive during a seemingly rushed one-to-two-day orientation. However,…

Recovery: Covid-19 First, Then the Economy

By safeguard | August 7, 2020 |

The World Health Organization recently reported that while some countries have made effective inroads to contain COVID-19 within their borders, the pandemic is still well on the rise throughout the world.1   Perhaps one of the most debilitating impacts of today’s global economy is that one country’s problem is now every country’s problem. Because business…

U.S. Virus Response Compared to the World

By safeguard | August 6, 2020 |

The COVID-19 pandemic has been a struggle around the world, and the United States is no exception. It is worth looking at individual factors to gauge just where we stand now.   The foremost concern is how the U.S. is weathering the pandemic. Initially, the crisis was concentrated in larger urban areas, which makes sense.…

What the Increasing National Debt Could Mean

By Safeguard Investment | July 24, 2020 |

If you’d like to see a snapshot of what’s going on with national debt versus revenue, check out the U.S. Debt Clock.   While there’s a lot moving on one screen, you can take a look at individual blocks to see how much the U.S. takes in via tax revenues compared to what it pays…

What Might Be Next – Inflation or Deflation?

By teri | June 30, 2020 |

Consumer prices fell by 0.8% on a seasonally adjusted basis in April, the biggest drop in more than a dozen years, the Bureau of Labor Statistics reported. Conversely, prices for grocery items jumped 2.6%, the highest one-month increase in 46 years, with eggs rising by 16%.1   What’s going on here? Well, the devil is…

Post- Pandemic Job Market

By teri | June 17, 2020 |

While millions of workers have been laid off due to the coronavirus pandemic, many of those employers will be reopening and may or may not rehire those let go. Much depends on the direction of the outbreak: If it slows, then a phased rehiring could follow; if contagion ramps up, then many people could be…

Are the Stock Market and the Economy Out of Sync?

By teri | June 9, 2020 |

  In normal times, the stock market is often a reflection of the economy. But these are not normal times. Even though April was marked by a global shutdown of businesses, rampant unemployment and low economic growth, the S&P 500 Index ended the month up 12.9%. This represented the highest one-month gain since 1987 and…

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…

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