Where retirement and perspective intersect

The Allure and Myth of Safety

By webteam | December 17, 2018 | 0 Comments

The Allure and Myth of Safety In Homer’s Odyssey, a wayward Odysseus and crew voyage past an island of beautiful mermaids called Sirens. The Sirens sing the sweetest of songs, the ancient equivalent of “Call Me Maybe”, bewitching passing sailors. Those mesmerized are blind to the bones littering the island, for the Sirens were in…

You call that a “Financial Plan”?

By webteam | June 20, 2018 | 0 Comments

Most news related to financial planning for the last few years has been exclusively focused on the Department of Labor’s push to force the fiduciary standard upon the industry. For now, this push has been stymied. Though the proposed regulations were far from perfect the DOL did have its heart in the right place. I’m…

New Hampshire… Property Tax’s… First Home/Last Home

By webteam | June 5, 2018 | 0 Comments

Several years ago, in anticipation of expecting our first child, my wife and I began searching for the perfect new home. Being high school sweethearts, we wanted to raise our little one in Exeter, our old stomping grounds! We wanted something safe, affordable and close to downtown. But affordability can be a bit elusive; there’s…

When the Market Plunges Pick Up A Cheeseburger, Not the Phone

By webteam | March 15, 2018 | 0 Comments

The phones were quiet. On February 5, 2018 the Dow dropped 1175 points. It was the worst single-day point drop in history.   And still the phones were quiet. The media did what it does best: speculate and incite panic. What caused this catastrophe? Fear of rising inflation? The FBI probe? Fed policy? Malfunctioning trading…

You Never Miss the Income Until the Well Runs Dry

By webteam | February 2, 2018 | 0 Comments

Picture the scene: the stove is at capacity; four stock pots, full of snow, are melting under high heat. On the counter, more pots crowned with colanders are busy filtering leaves, pine needles and other detritus from the meltwater. On the floor, barrels full of fresh snow sit ready to enter the assembly line.  The…

1 Critical Mistake to Avoid When You Retire

By webteam | August 21, 2017 | 0 Comments

Kiplinger – The closer you get to retirement, the more power the stock market potentially has over you. A steep drop at the wrong time could pack a devastating punch. Let’s assume you’re ahead of your peers. You’ve saved, invested and paid down debts. Maybe you’ve even met with a financial professional to examine your…

Super Bowl LI’s Subtle Investment Advice – Did You Miss It?

By webteam | February 21, 2017 | 0 Comments

It was an amazing game, and, admittedly, I spent most of it in a state of borderline depression and then bewilderment. But as agonizing as that first half was for Patriots fans, it must have been utterly demoralizing for Falcons fans, who had to suffer through watching their team snatch defeat from the jaws of…

4 Ways to Avoid RMDs

By webteam | February 1, 2017 | 0 Comments

I know you hate them. So why pay them? RMDs, also known as Required Minimum Distributions, are the bane of many a retiree. Once you reach age 70.5, the IRS is through waiting and forces you to take withdrawals from your traditional IRA accounts. Failure to do so incurs a steep 50% penalty. Now the…

You Might Run Out of Money in Retirement Without This

By webteam | January 10, 2017 | 0 Comments

A pension – there’s no great mystery here. People are living longer than ever. In the United States, people over the age of 85 represent the fastest growing population segment. Twenty percent of men and a third of women are expected to reach age 90. Without a plan in place to provide lifetime income, many will…

How Congress Ruined Social Security

By webteam | August 16, 2016 | 0 Comments

You don’t know what you’ve got till it’s gone … In less than three months, we’ll have a new president. But November 2016 will also mark the one-year anniversary of the Bipartisan Budget Act of 2016. This little piece of legislation will forever be infamous for gutting precious Social Security strategies for married retirees. Amazingly,…

The 5 Essential Elements of a Retirement Plan

By webteam | August 11, 2016 | 0 Comments

 “You’re making me nervous!” Worse things have definitely been said in our office, but would it surprise you to know this is exactly the response we’re looking for when meeting with a prospective client? Financial planning is an extremely emotional process. Aligning your resources to achieve a desired outcome requires you to identify your wants,…

Pay Off The #@$! Mortgage

By webteam | June 24, 2016 | 0 Comments

You’ve probably wondered about it at least once. When your budget finds an extra dollar, is it better put to use paying down the mortgage or invested into the retirement nest egg? It’s time to end the debate. Pay off the damn mortgage. Set Your Budget Free My preference is for a client’s mortgage to…

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