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Is now a good time to invest?
This is a question we often hear people ask – is now a good time to invest? Sometimes it is asked after the market has had a good run and is sitting at an all-time high. Other times it comes up when the market has been through a significant downturn.
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Retirement on the horizon? 7 things to consider
Many investors are focused on the “when”, “where”, and “how much” questions when it comes to retirement. Much of financial planning is focused on these questions too. In this column, we focus on other important items to consider in the years before retirement. These strategies may make a positive difference as you embark on financial…
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Life Transitions Checklist: What happens financially after I pass away?
Nobody likes to think about death, but yet we all have to face it sooner or later. The grief that dominates us when a loved one passes away can be immensely overwhelming. Then to make matters worse, the survivors need to figure out how to best move forward and settle the estate and financial affairs.…
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A Holistic View on Estate Planning
Estate Planning is about more than the preparation of vital documents: Will Durable Power of Attorney Healthcare Proxy/Power of Attorney Beneficiary Statements Trusts These documents may not always feel like pressing needs or be particularly fun to think about, but for the sake of your loved ones, it’s important to be prepared. We tend to…
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Nearing age 65? What to do about Medicare
Medicare is a health insurance program operated by the federal government and benefits are available to qualifying individuals 65 or older. Parts of Medicare Deductible, coinsurance and copayments may apply to all of the below. Part AHospital/Hospice Insurance Covers inpatient hospital stays, some skilled nursing facility, hospice and eligible home health care. No premium if…
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Are you fulfilling your fiduciary duty?
Establish an Investment Policy Statement Well-written Investment Policy Statement (IPS) should act as the roadmap for how you are going to select and monitor the investments within the plan. An IPS forms the basis for demonstrating the very high standard of prudence needed to make investment decisions. Your plan’s investment program is judged by the…
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Retirement is a journey, not a destination
You have likely been saving, investing, and planning for retirement for years, if not decades. Having a workable and flexible financial plan is essential as you approach the end of your working career. But retirement readiness also includes non-financial planning or life planning. What are you going to do once you reach your goal? Retirement…
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Limiting Fiduciary Consequences
The basis of the fiduciary relationship – the reason you are a fiduciary – is trust. You are legally entrusted with the plan’s proper functioning. The other side of that relationship? If you break that trust, you can be penalized under the law. If you as a fiduciary do not follow the basic rules, you…
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Prudence and Process – The Two P’s of Fiduciary Responsibility
Now that you know how to determine whether you’re a fiduciary, what do you need to do about it? The Employee Retirement Income Security Act of 1974 (ERISA) has a clear set of responsibilities and duties for fiduciaries. It is important that you take these requirements seriously and understand your own responsibilities as well as those…
