Key Takeaways: Lincoln Life has extended the maturity dates on their annuity contracts to age 99. No action is required on the part of annuity owners or annuitants. Many of you have begun receiving notices that Lincoln Life has extended the maturity dates on your Lincoln annuity contract(s). Insurance companies generally include a provision in […]
By Jeremy S. Mitchell, CFP® When considering retirement, many have a “magic number” in mind that they believe will permit them to retire well. The reality is that retirement success cannot be assured by having accumulated a certain level of wealth. Rather it requires both ongoing monitoring of current spending and identifying and planning for […]
by Jeremy S. Mitchell, CFP® A recent jump in interest rates has caused bond values to decline, prompting investors to re-evaluate the use of bonds in their portfolios. Key Takeaways: Remember the purpose of bonds in the context of a fully diversified portfolio Review and recommit to financial goals Take risks worth taking: focus on […]
After an October rally, volatility has not died down, and investors continue to be concerned about the prospects for their investment portfolios. Policy The congressional debt commission failed to come to agreement, and automatic spending “cuts” will take effect if the greater body of congress fails to act. In reality, there will be no automatic […]
At the time of this writing, on the forefront of every one’s mind is the US debt debacle. Through weeks of political wrangling, months of failed budget proposals by the President, and years of overspending on both sides of the isle, investors today worry for good reason that the US debt crisis may end badly. […]
Every quarter or so, our investment committee meets to review current market trends and expectations. Our most recent meeting conducted early in the second quarter has led to very few significant changes in our market outlook. Cash as an asset class remains stale at best. Money Market yields remain in the 0-1% range[1], while yields […]
Secure Document Storage is now available to clients of the Robert Harding Financial Group via the Client Resources page. This platform provides encrypted, secure storage of sensitive documents such as wills, trusts, powers of attorney, financial statements, tax returns, and more. Clients may authorize creation of accounts for trusted advisors such as attorneys, accountants, and […]
“Certified Financial Planner” – what does that title really mean? When you search for a financial advisor, it means everything. Let me explain why the CFP® designation is so important. Today, the financial world is full of credentials and designations. Some are respected, some aren’t. The CFP® designation is easily the most respected. You really […]