Financial Planning

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Weekend Reading: 7 Principles to Help You Create Your Perfect Portfolio

There is no “perfect” portfolio, but there is a perfect portfolio for you. It mirrors your personal values, financial goals and unique situation, which is why we at Howard Bailey focus on developing your financial L.I.F.E. Plan.

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Weekend Reading: The Most-Overlooked Tax Breaks for Retirees

When you’re expecting the assets you have now to last the rest of your life, taking advantage of any and all tax breaks available to you is crucial.

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Weekend Reading: What to Do When Your Married Clients Can't Agree on Retirement Planning

If you and your spouse have differing viewpoints on how to handle your retirement plan, the good news is, you can still find common ground in your strategy while also fulfilling your wishes when it comes to money matters.

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Weekend Reading: Getting Comfortable Delaying Social Security with Six-Month 'Reversible' Delays

Your decision regarding whether or not to delay Social Security benefits might come with a feeling of finality, but rest assured, that’s not the case.

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Weekend Reading: Sandwich Generation: How Do You Decide Whose Needs Come First?

Whether it’s financial, physical or emotional support, you might be trying to provide care to two generations at once, which can put prioritizing your needs (financial or otherwise) on the back-burner. How do you decide who comes first?

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Weekend Reading: The Secret is Out on 7.12% Inflation-Protected Bonds

If you haven’t heard, now might be the time to turn your attention to Series I Bonds (I Bonds).

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Weekend Reading: How Reliable is Inflation Data for Investors Heading into 2022?

If you’re still feeling uneasy about inflation, you’re not alone. Prices everywhere are continuing to rise, and it might seem as though there’s no end in sight. When will we see relief?

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Weekend Reading: An Actuarial Process for Better Decisions in Retirement

This article hones in on utilizing actuarial methodology when it comes to determining how much you can afford to spend in retirement – specifically, through the floor-and-upside approach.

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Weekend Reading: The Biden Tax Plan: How the Build Better Act Could Affect Your Tax Bill

All eyes are on the Build Better Act as it works its way through Congress. While nothing has been set in stone yet, it’s important to consider how the tax implications of this bill might affect your retirement plan in the event they make it through the legislative process.

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Weekend Reading: Your Retirement Plan Can't Deliver Financial Certainty – Here’s How to Think About the Big Risk Factors

How do you factor the unknown into your retirement calculations? Note the key variables highlighted in this article that can greatly fluctuate your retirement projections.

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Weekend Reading: Learning to Embrace the Chaos & The End of History Illusion

Take a moment to think about how you have evolved over the past decade. The changes you find might be profound. You certainly have learned a lot and gained more life experience, however, the other aspect to keep in mind is what this article refers to as the “end of history illusion”.

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Weekend Reading: What's a Safe Retirement Spending Rate for the Decades Ahead?

While the four percent rule might be a well-known standard, a recent Morningstar panel determined that in today’s economic climate, a 3.3 percent withdrawal rate might fare better for a conservative portfolio.