For decades, young people were told college was the surest route to financial success as an adult. Get a degree, get a good job. However, this formula seems to be broken. During the recession, jobs for recent college graduates were scarce, causing many to continue their higher education and sink deeper into student loan debt.…

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Earlier this year, Congress passed a last-minute budget deal that included provisions affecting Medicare benefits. Specifically, one provision will permit certain therapies to continue beyond the previous caps, subject to conditions. All therapy (physical, speech and occupational) must continue to be classified as “reasonable and necessary to treat the individual’s illness or injury.” 1 There…

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At the start of this century, the internet enhanced global communication, and the world transitioned into one massive economy. But this new landscape came at a cost, and after years of hardships, including terrorist threats, domestic recession, income gaps and divisive politics, the country is now turning its focus inward on “America First” economics.1 The…

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The new federal government stance toward deregulation may lead many companies to roll back operational practices, potentially resulting in higher profit margins.1 However, shareholders may have a say in this decision. As deregulation spreads throughout the nation, impact investing also is becoming a popular trend among shareholders. Many investors don’t want to simply have the…

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What risks threaten your financial security in retirement that go beyond stock market risk? Find out what they are, and how you could protect yourself on Retirement Solutions Radio show, “8 Overlooked Risks That Could Crush Your Retirement!” Listen Now! Our firm assists retirees and pre-retirees in the creation of retirement strategies utilizing investment and…

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When looking ahead in anticipation of Social Security benefits, many people expect to wait until an average age of 66 to make a claim.1 However, Nationwide Retirement Institute’s fifth annual Social Security survey found many retirees start drawing Social Security at the earliest possible age of 622 — frequently the result of being laid off…

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Today’s political environment and recent volatility in the U.S. stock markets, particularly February’s correction, caused concern for some investors. If you’ve met with a financial advisor who designed a strategy to fit your individual financial goals, timeline and tolerance for risk, it’s generally recommended you stay the course.1 But that doesn’t mean to hold steady…

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The income gap between the wealthy and the poor is widening in the U.S.1 Why does that matter? Because there are studies that indicate a wide swathe of income differentiation is not good for economic growth. In the years following the Great Recession, we often heard how slowly the economy was recovering. That was true…

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It seems as if inflation has been biding its time. Since the financial crisis a decade ago, growth in prices and wages has been muted.1 However, many financial analysts believe that’s about to change. A jobs report from early March revealed continued hiring and a moderate increase in wages. The stock markets welcomed the news,…

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When you estimate a budget for retirement income, remember that health care expenses are likely to be higher in the future than they are before you retire. According to recent analysis by the Henry J. Kaiser Family Foundation, Medicare beneficiaries must devote a substantial portion of their household income to cover expenses not covered by…

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