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What Is a “Safe” Retirement Withdrawal Rate?

By Safeguard Investment Advisory Group | April 18, 2017

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…

Medicare Reform Outlook: Uncertain

By Safeguard Investment Advisory Group | April 6, 2017

With a new administration in the nation’s highest office, there is growing debate about Medicare reform. The federal program, which helps provide health insurance to those over 65 and certain younger people with disabilities, is partially funded by participant premiums and a 1.45 percent payroll tax, matched by employers. Yet, it routinely exceeds its funding…

How Much Can a U.S. President Do?

By Safeguard Investment Advisory Group | March 1, 2017

Donald Trump has a broad presidential agenda that encompasses foreign trade, immigration, deregulation, taxes and investment in U.S. infrastructure. These policies are poised to impact certain industries over others, such as health care, energy, financial services and technology.1 Every presidential candidate enters the campaign with a platform of changes and priorities, which presumably dominate the…

For the Health of Marriage

By Safeguard Investment Advisory Group | February 10, 2017

Turns out marriage can do more for your heart than fill it with love. A recent study found that, among other health benefits, married people have a higher probability of surviving a stroke.1 They are also more likely to survive major surgery, have fewer heart attacks, be less likely to have advanced cancer when diagnosed…

Helping Make Your Retirement Money Last

By Safeguard Investment Advisory Group | January 31, 2017

For every five years longer a retiree lives, he or she spends about 15 percent less on average. This means that people in their 70s spend about half of what they do in their 50s. Even with the ramp-up in medical expenses that often comes later in life, retirees still tend to spend less as…

The Stock Market in Volatile Times

By Safeguard Investment Advisory Group | January 23, 2017

You’ve likely heard a few clichés when it comes to investing: stay the course; buy right and hold tight; time is more valuable than money; etc. The point is clear, if your investments align with your goals, timeline and risk tolerance, then there may be no reason to make changes to your portfolio when the…

Opposites Attract: Couples and Their Finances

By Safeguard Investment Advisory Group | January 6, 2017

It’s very common for a married couple to have vastly different financial personalities. One may be frugal and the other a big spender. As we all know, money can be the source of some pretty big challenges in a relationship. Thirty percent of couples argue over finances at least once a month, and 5 percent…

Planning to Travel in 2017? Here Are Some Tips

By Safeguard Investment Advisory Group | December 27, 2016

Traditional vacation prep used to entail choosing a budget destination, buying some traveler’s checks and heading to the airport just in time for your flight. For many, that list of things to do has changed drastically. “Wellness travel” has become a big draw for vacationers who are willing to spend around 140 percent more than…

Perks of Growing Older

By Safeguard Investment Advisory Group | December 1, 2016

Getting older has its perks — from potential tax breaks to everyday discounts. It’s like turning 21 and getting carded all over again. Only now, in some ways, the older you are the more you may be able to save. If you’re closing in on retirement, you may be in position to start saving more…

The Road To Retirement Takes Effort

By Safeguard Investment Advisory Group | November 28, 2016

The first things that come to mind when thinking about retirement may be rest and relaxation, but before you reach that point, you need a financial strategy that can support your post-career plans. A recent study found many current retirees are worried about just making day-to-day expenses:1 • The median annual income for married retirees…

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