MAKE AN INFORMED DECISION ABOUT SOCIAL SECURITY

Achieving your retirement goals takes disciplined saving, spending and investing – all of which can feel overwhelming, especially as the retirement landscape continues to change.  We have created a seven-part blog series called Principles for A Successful Retirement to help you stay focused and reach your goals.

Last week we provided you with Principle 2 and you will find Principle 3 below.  If you would like to revisit Principle 2, click this link. We hope you find the material interesting and useful and urge you to call us if you have questions or concerns.

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Principle 3

MAKE AN INFORMED DECISION ABOUT SOCIAL SECURITY

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Social Security benefits are permanently reduced by as much as 25% when started before full retirement age (currently 66) and are permanently increased by as much as 32% when started after. Should you take smaller amounts sooner? Read more

PLAN FOR A LONG LIFE

Achieving your retirement goals takes disciplined saving, spending and investing – all of which can feel overwhelming, especially as the retirement landscape continues to change.  We have created a seven-part blog series called Principles for A Successful Retirement to help you stay focused and reach your goals.

We plan to provide you with one part of the series each week over the course of seven weeks. Last week we provided you with Principle 1 and you will find Principle 2 below.  If you would like to revisit Principle 1 click on this link.  We hope you find the material interesting and useful and urge you to call us if you have questions or concerns.

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Principle 2

PLAN FOR A LONG LIFE

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The Longer you live, the longer your investments must last. Read more

TAKE CONTROL OF YOUR RETIREMENT

Achieving your retirement goals takes disciplined saving, spending and investing – all of which can feel overwhelming, especially as the retirement landscape continues to change.  We have created a seven-part blog series called Principles for A Successful Retirement to help you stay focused and reach your goals.

We plan to provide you with one part of the series each week for the next seven weeks. We hope you find the material interesting and useful and urge you to call us if you have questions or concerns.

Principle 1.

CREATE THE PLAN YOU NEED

FOR THE RETIREMENT YOU WANT 

 

Know Your Checkpoint  (click here)  Read more

BAM Quarterly Letter – Summer 2016

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Dear Clients & Friends,

Turbulence in the markets continued during the second quarter 2016 as the Brexit vote rocked investor confidence. Concerns over the strong dollar, commodity price deflation, and weakness in the Chinese and European economies also continued to weigh on investors. In spite of the steep 5%-plus Brexit-related drop in the equity markets on June 24th and June 27th, and in the face of the other concerns listed above, the U.S. equity market (as measured by the Russel 3000 Index) increased by 2.63% during the second quarter. The U.S. bond market (as measured by the Barclays U.S. Aggregate Bond Index) also performed well during the quarter, gaining 2.21%. Read more

Quarterly Market Review – 2nd Quarter 2016

Quarterly Market Review

The Quarterly Market Review features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets. The report also illustrates the performance of globally diversified portfolios and features a quarterly topic. This quarter’s topic, “ GDP Growth and Equity Returns

Client Update Newsletter – Summer 2016

Client Update Newsletter – Summer 2016

Our latest Client Update is now available to offer insights on a variety of topics:

  • The article “Learn how to manage your retirement accounts” outlines five deceptively simple steps to achieve a comfortable retirement and includes a list of retirement plan definitions to familiarize you with different plan options, from Roth IRA to 401k.
  • Tax planning for small business owners isn’t restricted to the end of the year. There is plenty you can do in the summer months to reduce your 2016 tax liability. Check out the articles “Add business tax planning to your summertime calendar” & “Organize your business records to save time and money”
  • Lastly, ” Are you in the crosshairs of the IRS?” touches on some of the reasons tax returns are audited. According to recent statistics, your chances of being audited by the IRS are less than 1%, but don’t be lured into a false sense of security. The statistic is a blended rate covering many types of incomes and taxpayers. Read it here.

Read more

BAM Quarterly Letter – Spring 2016

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April 26, 2016

Dear Clients & Friends,

2016 began with significant turbulence in the financial markets. The S&P 500 Index opened the year at 2,044, however continued concerns over the health of the Chinese and European economies, falling oil prices, and the strong dollar drove the index down to a 2016 low of 1,829 by February 11th. This 10.50% drop in the first six weeks of the year tested the fortitude of both long-term investors and short-term traders. The financial press kept everyone on edge with sensational reporting about the pending collapse of the stock market with one CNBC headline stating “The Fed won’t be able to save stocks”, and a Wall Street Journal report indicating “Recession Risk Rising”.  Read more

Quarterly Market Review – 1st Quarter 2016

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This report features world capital market performance and a timeline of events for the past quarter. It begins with a global overview, then features the returns of stock and bond asset classes in the US and international markets.

The report also illustrates the performance of globally diversified portfolios and features a quarterly topic. In this quarter’s topic, “Free Throws” Dave Butler, Head of Global Financial Advisor Services at Dimensional Fund Advisors, offers a sports example to help investors apply discipline in a stressful market.

Tax-Related Identity Theft

Dear Clients & Friends:

Identity theft presents a challenge to businesses, organizations and governments, including the Internal Revenue Service. Tax-related identity theft occurs when someone uses a stolen Social Security number to file a tax return to claim a fraudulent refund. Although identity theft affects a small percentage of tax returns, it can delay a taxpayer’s refund and have a major impact on the victim’s peace of mind. Read more