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Quote Of The Week: What Low Interest Rates Mean For You

The Federal Reserve has pushed interest rates to new lows to fight COVID-19. How do these historically low rates affect your wallet? “Good news, bad news. Borrowers will benefit from the low-rate environment. The 30-year fixed mortgage rate is likely to remain below 4% for the foreseeable future. Auto, home-equity and other consumer loan rates will […]

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My 401(k) Match Just Got Axed. Now What?

It’s another sad reflection of the coronavirus pandemic gripping our nation. Your employer has just axed the matching contribution to your 401(k) retirement plan. For the average employee that’s a loss of over $4,000 per year. What to do now? Here’s answers to your most common questions: What’s a typical 401(k) match, and how does it work? […]

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7 Things You Need To Know About Investing In Preferred Securities

Many investors are attracted to preferred stock investments due to their generous income yields, but are somewhat mystified by how these hybrid securities work. Is it a stock? Or is it a bond? And when does it make sense as an investment? Here’s 7 quick facts about this often misunderstood investment category, and why they […]

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Dividends Still Have Big Appeal In Coronavirus Era

One of the best things about investing in dividend paying stocks is you get to collect a healthy, and hopefully growing, dividend while you wait patiently for the stock to rise in value over the long-term. Many investors consider it like having their cake and eating it too. Not all dividend stocks are great investments, […]

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Quote Of The Week: The Risk Of Surrendering To Cash

“While it might feel safer going to cash when markets are volatile, cash positions don’t work like they used to. If you went to cash during the 1987 stock-market crash, you were still making 4.75% to 5.5% interest. If you had gone to cash in the dot-com crash you were making around the same—3.5% to […]

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Investing In The U.S. Only? That Could Be A Big Mistake.

Are your top investments only in the U.S.? If you’re a U.S.-based investor, it’s normal to want to concentrate your investments in U.S. companies. After all, that’s where you live and work, and U.S. companies have dominated the international competition over the past few years. But if you invest exclusively in the U.S., or neglect […]

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Chart showing a timeline of bull and bear markets from January 1945 through May 2020 with labels of notable companies that were founded near bear markets. The companies and year they were founded include McDonald’s, 1948; Medtronic, 1949; Hyatt, 1957; Walmart, 1962; Nike, 1964; Airbus, 1970; Starbucks, 1971; Microsoft, 1975; Apple, 1976; Adobe, 1982; AT&T, 1983; Gilead, 1987; Taiwan Semiconductor Manufacturing Company, 1987; Tesla, 2003; Facebook, 2004; Uber, 2009; and Zoom, 2011. Sources: Capital Group, Standard & Poor’s. As of 5/31/2020. The bear market is considered current as of 5/31/20. In all other periods, bear markets are peak to trough declines of at least 20%. Bull markets are all other periods.

Why You Shouldn’t Be Afraid To Invest During Tough Times

When times are tough, don’t be afraid to invest. Just look at this timeline below showing all the leading companies that got their start during recessionary times (compliments of Capital Group).  

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What Women 50+ Want From Their Financial Advisor

It’s official: Women over fifty know their own mind and aren’t afraid to speak up. When asked during a recent research study what they want from their financial advisor, mid-life women were very clear in spelling out what is on their wish list. Here’s seven key items mid-life women 50+ are looking for from their […]

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Retirement Playbook: How Portfolios Can Bounce Back From Down Markets

It’s easy to get caught up in discouraging economic news, and lose sight of your long-term financial roadmap. That’s why Mari was glad to have a conversation with veteran financial journalist Gail MarksJarvis, writing for Barron’s, about how retirees can stay on track by taking positive steps to protect their portfolios in times of turbulent […]

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Don Calcagni

Investing For Retirement Income In A Low-Yield World

Guest Blog By Donald Calcagni, CFP®, MST, Chief Investment Officer Mercer Advisors Summary With interest rates at historic lows, investors are wondering how to generate retirement income. Despite low rates, there’s no need for investors to recklessly chase yields in high-risk asset classes. There’s a better way, one that focuses on your lifestyle, your legacy, and your […]

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