Wealth Management

Stability Grows for Emerging Markets

Thirty years ago, developed markets were seen as much more stable than smaller, emerging countries. But as political division and uncertainty permeates the West, the differences have faded, and emerging markets (EM) have shed the high-risk perception that accompanied foreign investment. Sound government situations, conservative monetary policy and lower levels of debt were once staples…

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Traveling on a Fixed Income

Oh, the places you’ll go! Renowned author Dr. Seuss wrote a children’s book in 1990 that has become a popular graduation gift for young adults. Part of its message:1 “You’re off to Great Places! Today is your day! Your mountain is waiting. So … get on your way!” Perhaps for some people, the time to…

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Assessing Risk in Retirement Income

When it comes to investing, there’s no such thing as a “safe bet.” Every type of financial vehicle has some level of risk, even checking and savings accounts. Back in the 1920s, people believed that the safest place to keep their money was a bank, and they were right. But as they witnessed during the…

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Strategic vs. Tactical Asset Allocation

In recent years, the markets, the economy and the global political scene have evolved considerably. We’ve witnessed both remarkable volatility and remarkable resilience in these areas. The reality is that less predictability in today’s economic landscape requires more vigilant risk diversification, coupled with the ability to adapt to a fast-changing environment .1 We work with…

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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…

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Tips For "The Sandwich Generation"

Standard Article What Is Your Family’s Dependency Ratio? When it comes to working, life can be divided into three broad categories. There’s the under-18 age group, which has yet to enter the workforce, a mature population over the age of 65 that is in or near retirement and the “Sandwich Generation.” This label commonly refers…

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Wealth Transfers & Estate Planning

You’ve worked for many years to accumulate your current wealth and assets. You are either currently enjoying what you have saved in retirement or hope to do so in the coming years. But have you taken into consideration what will happen to these assets when you are no longer around to enjoy them? You cannot…

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Annuities: The Good, the Bad and the Ugly

The term annuity isn’t one that comes up around the dinner table on a daily basis, but it’s an important one to understand if you have reached retirement or are getting close. At its most basic level, an annuity is a financial product designed to increase your financial security as you begin your golden years.…

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