(877) 213-SAFE (7233)Uncategorized
The Theory of Longevity
The factors determining how and when one dies often remain a mystery. Consider comedian George Burns who, despite being an avid cigar smoker for 75 years, lived to age 100. In the continued study of longevity, researchers have uncovered another startling statistic: Holocaust survivors lived 7.1 years longer on average than their contemporaries who were…
Read MoreThe Art of Being Happy
When are we happiest? A new study by the Resolution Foundation reveals that the two ages when people tend to be their happiest are 16 and 70.1 This makes sense when you think about it. Sixteen is often the first time children get a taste of independence — they’re old enough to drive and yet…
Read MoreWomen in the Workplace
People are living longer, which also means more people are working longer, either because they want to stay engaged or they need more time to prepare for a longer retirement. Unfortunately, these trends haven’t made ageism any less prominent. One researcher found careers tend to peak at age 45 for men and age 40 for…
Read MoreCultural Influences From Abroad
They say variety is the spice of life. A variety of cultural experiences may even contribute to a longer life and cognitive sharpness. A new study links cultural activities, including exposure to other languages, as a strong influence in the way we learn, amass and assimilate new information.1 Some cultural influences may well impact longer…
Read MoreThe 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…
Read MoreThe Stock Market in Volatile Times
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…
Read MoreWhy Dividend -Paying Stocks Are So Popular Now
Not only are the economy and financial markets sending mixed signals, now the Fed is too. Up until recently, the Federal Open Market Committee of the Federal Reserve Board had been unanimous in its efforts to either hold steady or slowly increase interest rates based on labor market conditions and inflation factors. However, at the…
Read MoreRetirement on Your Terms
Most working folks go through the daily grind week after week, counting down the years to retirement. But before you get too excited about walking away from your 9 to 5, consider the alternative lifestyle that comes with not going to work. Whether your working years are winding down or already behind you, many retirees…
Read MoreNot Your Material Girl Type Retirement
In the 1980s, Madonna sang about being a material girl living in a material world. Following the economic slump of the 1970s, the ’80s came to be known as “The Decade of Excess,” featuring a sustained period of low unemployment and strong economic growth. It was an era of big hair, big shoulder pads and…
Read MorePlanning for Long-term Care in California: The Basics
As with many things in retirement and insurance planning, long-term care can be an unpleasant and uncomfortable topic. No one wants to think about struggling with debilitating illness or injury. However, planning now could save you strife down the road. Regardless of age, anyone could face illnesses or disabilities that require long-term care. For younger…
Read More