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Resources to help you set your goals and meet your financial objectives.

Are We Headed for a Recession?

Thursday, 23 June 2022

Are We Headed for a Recession?

Just two years removed from the last US recession, negative stock returns, and aggressive US Federal Reserve interest rate hikes have many investors concerned we are headed for another big “R”—if we’re not already there. But recessions are always identified with a lag. By the time one is called, the worst of its impact on markets has usually passed.

Inflation Varies According to Your Age & Spending

Tuesday, 24 May 2022

Inflation Varies According to Your Age & Spending

What will inflation be in the coming years? The real answer is that it varies according to your age and spending patterns. Inflation wallops someone with kids in college and might be hardly noticeable to stay-at-home types.  Recent inflation will stun someone looking for a used car, but it won’t impact someone shopping for a new car quite as much (although it’s still very high).  

As you know, inflation is a sustained increase in prices for general goods and services in the economy and is typically measured annually. Theoretically speaking, as inflation rises, every dollar you own buys a smaller amount of a good or service.

Market Volatility, Recession, Inflation

Thursday, 12 May 2022

Buying a home is one of the most financially significant and often stressful events of your life, along with the moving aspect. Even after closing, your financial work isn’t done. There are more steps you should take to incorporate your home into your greater financial picture.

5 Modifications to Make to Your Finances After Buying a Home

Friday, 22 April 2022

5 Modifications to Make to Your Finances After Buying a Home

Buying a home is one of the most financially significant and often stressful events of your life, along with the moving aspect. Even after closing, your financial work isn’t done. There are more steps you should take to incorporate your home into your greater financial picture.

Single Parents - What Does Your Financial Set-Up Point To?

Monday, 14 March 2022

Single Parents - What Does Your Financial Set-Up Point To?

As a single parent, you have been doing the right things: budgeting your spending, paying down debt, saving for retirement, all the while paying for the kids’ braces, and saving for their college.  You juggle home and work, learn from mistakes and know what works best for you.  Perhaps you are now wondering: As my financial goals get clearer, how realistic are they? How do I reach them?

Having the right setup is critical to increasing the chance of hitting any target, from everyday tasks like baking a cake to big goals like your finances.  Your Financial setup is made up of many components, including income, savings, investments, insurance, new job, etc. It plays a key role in determining if you get to where you want to be financially.

Navigating Geopolitical Events

Thursday, 24 February 2022

Navigating Geopolitical Events

Recent conflict between Russia and Ukraine is an important reminder that geopolitical risk is a part of investing in global markets. Navigating geopolitical events requires expertise and flexibility. Dimensional's systematic active approach is designed to adjust to new information in real-time, including information about geopolitical events and their potential repercussions for markets. 

Significant Financial Risks for Women

Tuesday, 08 February 2022

The higher risk of not having sufficient money in her retirement is real

Significant Financial Risks for Women

There is no question that women are amazing. In fact, studies continue to confirm their immense contribution to every society that they are a part of.  

Unfortunately, women are also more vulnerable to financial insecurity. Typically, women earn less than their male counterparts,[1] live longer, and have more breaks in their employment. With all this going on, approaching financial decisions strategically is critical for women

Technically speaking, social security is gender-neutral. However, a combination of several factors creates different levels of retirement security for women and men.  I have listed below some of the reasons why women typically have far less money in their retirement than men

[1] The wage gap between men and women is 19.9% in total and is as high as 24.6% for women with advanced degrees https://www.dol.gov/agencies/wb/data/earnings/Earnings-ratios-wagegaps-educational-attainment

Understanding the Investor Fear Index: the VIX

Monday, 25 October 2021

The VIX has seen a downward trend so far in 2021 and for October

Understanding the Investor Fear Index: the VIX

Market pundits are always tripping over themselves trying to determine the exact direction and extent of the market’s future movements, and as we approach  Halloween, the fittingly named “investor fear index” is being scrutinized like never before.

Can declines in the VIX spell future market advances? And will October 2021 bring more “treats” this year? After all, the VIX peaked for the year back in January at 37 and as of late October, it sits in the mid-teens (about 15 to 16).

What is the Fear Gauge?

Referred to as the “investor fear index” or just the “fear gauge,” the VIX is the ticker symbol for the Chicago Board Options Exchange Volatility Index, which shows the market's expected volatility.  First introduced about 25 years ago, the VIX has evolved over the years and today it is a widely referenced measure of market risk – on a forward basis. That “forward basis” qualifier is important as it calculates future volatility and does not look backward.

With a New Job Comes New Investing Opportunities

Monday, 09 August 2021 Retirement Tips to Remember When Starting a New Job

With a New Job Comes New Investing Opportunities

Land a great new job? Awesome. Now is the perfect time to think about your 401(k) and retirement plan, whether you had one before or not. Saving for retirement is important at all ages, so don’t let this opportunity fall to the bottom of your list.

Here are four tips to consider when starting a new job and a new 401(k).

President Biden's Proposals and Your Healthcare

Monday, 14 June 2021 Remember that healthcare is like retirement planning - it's very personal

President Biden's Proposals and Your Healthcare

Will the proposed policies of the Biden Administration have a negative or positive impact on your healthcare? A prevailing view – by about half of the country – is that a Biden Administration will have a positive impact. Another prevailing view – also by about half of the country – is that it will be negative.

Well, no matter your political affiliation, the impact that the Biden Administration will have on your healthcare won’t be settled for quite some time. But more importantly, you should remember that no matter the big-picture changes, healthcare – like retirement planning – is personal.

Nevertheless, let’s examine a few of President Biden’s policies that will likely impact healthcare in general – as it might help you determine whether the impact will be negative or positive to you and your family.

The Biggest Financial Pressures Facing Retirees (and How to Plan for Them)

Tuesday, 25 May 2021

The Biggest Financial Pressures Facing Retirees (and How to Plan for Them)

Retirement is a time for pursuing your passions, reaping the fruits of your life’s work, and making the most out of life. But there are many financial pressures facing those planning to retire in the coming months and years.

There Are Fewer Retirement Benefits Than Ever Before

Retirement benefits looked different in decades past than they do today. Before the 1980s, employers helped fund their employees’ retirements through pension plans. Today, few companies outside of the public sector offer pensions, and most that do are closing their plans to new employees. Some have even seen their promised pensions reduced or frozen. Retirement benefits aren’t what they used to be, but there are actions you can take to get the most out of your existing benefits.

Divorce - The Retirement Killer

Wednesday, 24 March 2021

Worse for baby boomers and more worse for women

Divorce - The Retirement Killer

It’s an unfortunate statistic that everyone knows – more than 50% of marriages will end in divorce. But it’s also a statistic that has lost its impact. So, let’s try another tact.

In the United States, we see:

  • 1 divorce approximately every 36 seconds
  • Almost 2,400 divorces per day
  • 16,800 divorces per week, and
  • 876,000 divorces a year.

Further, data from the Bowling Green's National Center for Family & Marriage Research shows that the divorce rate for 55- to 64-year-olds more than doubled from 1990 to 2012 while divorces for the over-65 group tripled.

Small Businesses and the Impact of Covid-19

Wednesday, 03 March 2021

Over 30 million jobs are vulnerable - and the number might be higher

Small Businesses and the Impact of Covid-19

The Small Business Administration defines a small business as a company with less than 500 employees, which means there are a lot of small businesses in the U.S. In fact, it’s likely that given COVID-19, there are more companies that were just recently considered mid-size or maybe even large companies that now fall into the small business category. But unfortunately, the pandemic has wreaked havoc on the small business community – and we might not know the full impact for years to come.

15 Key Things to Consider When Having or Adopting a Child

Monday, 14 December 2020

15 Key Things to Consider When Having or Adopting a Child

The COVID-19 pandemic will likely lead to a large, lasting baby bust. The reduction in births could be 300,000 to 500,000 for 2021.  Similarly, adoption rates, normally 9,000 a month, are also expected to reduce especially with the social distancing and travel restrictions.

This trend is temporary, and none of this detracts from the fact that having a child is one of life’s wonders and probably one of the most profound changes to a household. It’s not a simple thing to raise children, as they say - “it takes a village to raise a child”.

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