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We help individuals and families pursue their ideal retirements.

Retirement Plan Fees: Know What You Are Paying

By Safeguard Investment Advisory Group | September 6, 2017 | Comments Off on Retirement Plan Fees: Know What You Are Paying

Many large companies offer employees a 401(k) plan with some degree of matching contribution. Although this is a good employee benefit to have, you always should pay attention to the fees involved in your plan. Your plan provider charges various fees to invest, manage and administer the plan, and those fees are passed on to…

The Changing Job Outlook: Challenges and Opportunities

By Safeguard Investment Advisory Group | August 30, 2017 | Comments Off on The Changing Job Outlook: Challenges and Opportunities

The workforce in the United States is changing. Some long-standing professions are becoming obsolete, there are fewer manufacturing jobs,1 and some companies are moving their headquarters overseas for tax reasons.2 Then there is the increasing phenomenon of automation and robotics replacing jobs. It’s interesting to note, however, that the job market is not fixed. It’s…

3 Common Questions About Social Security

By Safeguard Investment Advisory Group | August 22, 2017 | Comments Off on 3 Common Questions About Social Security

While Social Security shouldn’t be relied upon to be the sole source of income during retirement, it can play an important role in your overall retirement income strategy. But making sense of the basic ins and outs of Social Security can be overwhelming. Here are three questions people commonly ask as they approach retirement age:…

Is Feeling Younger the Secret to a Longer Life?

By Safeguard Investment Advisory Group | August 3, 2017 | Comments Off on Is Feeling Younger the Secret to a Longer Life?

“You don’t stop laughing when you grow old, you grow old when you stop laughing.” ~George Bernard Shaw While some people accept getting older as a natural part of life, many others are on a mission to fight the aging process and maintain a youthful attitude and appearance. Although we are often reminded to “age…

Divorce During Retirement

By Safeguard Investment Advisory Group | July 26, 2017 | Comments Off on Divorce During Retirement

A funny thing happens when you get busy with trying to achieve all the things you want out of life: You lose a few along the way. Unfortunately, some people lose their marriage.1 However, for those who are truly unhappy and can’t see a way back to blissful partnership, a “gray divorce” isn’t necessarily all…

Taxes and Retirement Planning

By Safeguard Investment Advisory Group | July 20, 2017 | Comments Off on Taxes and Retirement Planning

The White House recently introduced what it billed the “biggest tax cut” in U.S. history. While a presidential tax proposal is not likely to get passed without significant changes, the fact that Republicans dominate both chambers of Congress suggests 2017 may well be a year in which significant tax reform is engineered.1 One thing should…

How Much Money Do You Need to Retire?

By Safeguard Investment Advisory Group | June 21, 2017 | Comments Off on How Much Money Do You Need to Retire?

How much money do you need to retire? That’s about as personal a question as, “What do you look for in a spouse?” or “What is your dream job?” The answer is different for everyone. So are questions about when you want to retire, how you want to retire (suddenly or gradually) and where you…

Simplify Your Life

By Safeguard Investment Advisory Group | June 9, 2017 | Comments Off on Simplify Your Life

Life has its highs and lows. Sometimes when we go for a long stretch — everybody in the family is healthy, finances are on track, you’re enjoying yourself — we get that nagging feeling that our good fortune just can’t last. Often, that’s true. There’s inevitably a repair needed on your car, an appliance breaks…

The Fiduciary Standard: What It Means

By Safeguard Investment Advisory Group | May 17, 2017 | Comments Off on The Fiduciary Standard: What It Means

Recently, the U.S. Department of Labor published the final regulation of what is known as the “Fiduciary Rule,” delaying implementation for 60 days from its scheduled start date. The newly expanded definition of fiduciary investment advice is scheduled to go into effect June 9, 2017.1 The rule holds certain financial professionals to a fiduciary standard…

How Government Regulations May Impact the “Average Joe”

By Safeguard Investment Advisory Group | May 9, 2017 | Comments Off on How Government Regulations May Impact the “Average Joe”

We tend to take government regulations for granted. They can be annoying, like having to sign the HIPAA privacy notice before a doctor’s visit, or time consuming, like the yearly requirement of filing a tax return. In fact, there’s a near-even split among Americans who think we don’t have enough regulation of the financial industry…

Trends in the ETF Market

By Safeguard Investment Advisory Group | April 25, 2017 | Comments Off on Trends in the ETF Market

In recent months, there has been a recent movement out of actively managed investments into passively managed instruments such as exchange-traded funds. Globally, ETFs gained more than $270 billion in 2016.1 An ETF is a single investment vehicle that tracks all of the securities within an index, a commodity, bonds or a group of assets…

What Is a “Safe” Retirement Withdrawal Rate?

By Safeguard Investment Advisory Group | April 18, 2017 | Comments Off on What Is a “Safe” Retirement Withdrawal Rate?

In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year. A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to…

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