Second Career, First New Venture

September 18, 2014

These days, more and more pre-retirees, transitioning retirees, semi-retirees and bored retirees are starting their own business ventures. According to a 2014 report from Merrill Lynch Wealth, 58 percent of retirees launch into a line of work different than their pre-retirement careers, and working retirees are three times more likely than pre-retirees to be entrepreneurs.…

Problems, Solutions … And More Problems.

September 16, 2014

Retail Health Care Retail health care is on the rise. If you’re not familiar with this term, it may be coming to a Wal-Mart near you. In fact, Wal-Mart shoppers in Florence and Sumter, South Carolina, can now get a checkup at an in-store health clinic after they check out with a cashier. Does Wal-Mart…

Sharing True Family Legacies

September 11, 2014

When we talk about inheritances, generally we think first about assets and real property. However, a recent survey found that 86 percent of baby boomers and 74 percent of Americans 72 and older believe that documenting their family history is the most important legacy that can be passed on to heirs.* Have you considered what…

Cautious Optimism

September 9, 2014

According to Guggenheim Partners, the most recent data from leading economic indicators, ranging from hiring to housing, demonstrates that the U.S. economy is “firing on all cylinders.” However, CIO Scott Minerd harkens back to the summer of 1987 when investors, deluded by a benign risk environment, failed to recognize the levels of overvaluation present in…

Trading Your Business for Retirement

September 3, 2014

Instead of saving steadily for retirement, some small business owners plan to sell their enterprise for a lump sum that will fund their golden years. However, this can be a risky strategy. It’s important to contribute to a retirement savings plan as much as you can. As for selling your business, you might want a…

Equal, Yet Separate

September 2, 2014

The U.S. Declaration of Independence declares that all men are created equal and endowed with certain unalienable rights — such as life, liberty and the pursuit of happiness. However, new research from Stanford indicates the pursuit of happiness is increasingly aligned with affordability. The study asserts that America’s cities are becoming more divided into two…

New IRA Rollover Rules

August 28, 2014

Starting in 2015, new rules will permit only one rollover per year from one traditional IRA to another traditional IRA. The new provision is designed to discourage IRA owners from taking temporary tax-free loans from their IRAs via multiple rollovers of consecutive 60-day periods.* For example, say a homeowner needed a down payment for a…

Failure to Launch … a Materialistic Generation

August 26, 2014

Young adults have had a relatively tough time over the past four or five years. Entry-level jobs have been scant for the onslaught of recent college graduates, many of whom have taken menial jobs to make ends meet until a “real job” comes their way. According to Pew Research, in 2012 only one-third of engineering…

Medicare Enrollment: So You Say It’s Your Birthday?

August 20, 2014

If you turn 65 this year, you are entitled to Medicare benefits, so you need to sign up if you choose to receive them. If you’re currently drawing Social Security benefits, you will be notified about your Medicare eligibility. If not, contact your local Social Security office or visit www.socialsecurity.gov to request your benefits.* You…

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