Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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  • Retirement Plan Fees: Know What You Are Paying
    Many large companies offer employees a 401(k) plan with some degree of matching contribution. Although this is a good employee benefit to have, you always should pay attention to the fees involved in your plan. Your plan provider charges various fees to invest, manage and administer the plan, and those fees are passed on to… The post Retirement Plan Fees: Know What You Are Paying appeared first on...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • The Changing Job Outlook: Challenges and Opportunities
    The workforce in the United States is changing. Some long-standing professions are becoming obsolete, there are fewer manufacturing jobs,1 and some companies are moving their headquarters overseas for tax reasons.2 Then there is the increasing phenomenon of automation and robotics replacing jobs. It’s interesting to note, however, that the job market is not fixed. It’s… The post The Changing Job O...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • 3 Common Questions About Social Security
    While Social Security shouldn’t be relied upon to be the sole source of income during retirement, it can play an important role in your overall retirement income strategy. But making sense of the basic ins and outs of Social Security can be overwhelming. Here are three questions people commonly ask as they approach retirement age:… The post 3 Common Questions About Social Security appeared first o...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • Is Feeling Younger the Secret to a Longer Life?
    “You don’t stop laughing when you grow old, you grow old when you stop laughing.” ~George Bernard Shaw While some people accept getting older as a natural part of life, many others are on a mission to fight the aging process and maintain a youthful attitude and appearance. Although we are often reminded to “age… The post Is Feeling Younger the Secret to a Longer Life? appeared first on Safeguard I...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • Divorce During Retirement
    A funny thing happens when you get busy with trying to achieve all the things you want out of life: You lose a few along the way. Unfortunately, some people lose their marriage.1 However, for those who are truly unhappy and can’t see a way back to blissful partnership, a “gray divorce” isn’t necessarily all… The post Divorce During Retirement appeared first on Safeguard Investment.
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • Taxes and Retirement Planning
    The White House recently introduced what it billed the “biggest tax cut” in U.S. history. While a presidential tax proposal is not likely to get passed without significant changes, the fact that Republicans dominate both chambers of Congress suggests 2017 may well be a year in which significant tax reform is engineered.1 One thing should… The post Taxes and Retirement Planning appeared first on Sa...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • How Much Money Do You Need to Retire?
    How much money do you need to retire? That’s about as personal a question as, “What do you look for in a spouse?” or “What is your dream job?” The answer is different for everyone. So are questions about when you want to retire, how you want to retire (suddenly or gradually) and where you… The post How Much Money Do You Need to Retire? appeared first on Safeguard Investment.
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • Simplify Your Life
    Life has its highs and lows. Sometimes when we go for a long stretch — everybody in the family is healthy, finances are on track, you’re enjoying yourself — we get that nagging feeling that our good fortune just can’t last. Often, that’s true. There’s inevitably a repair needed on your car, an appliance breaks… The post Simplify Your Life appeared first on Safeguard Investment.
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • The Fiduciary Standard: What It Means
    Recently, the U.S. Department of Labor published the final regulation of what is known as the “Fiduciary Rule,” delaying implementation for 60 days from its scheduled start date. The newly expanded definition of fiduciary investment advice is scheduled to go into effect June 9, 2017.1 The rule holds certain financial professionals to a fiduciary standard… The post The Fiduciary Standard: What It M...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • How Government Regulations May Impact the “Average Joe”
    We tend to take government regulations for granted. They can be annoying, like having to sign the HIPAA privacy notice before a doctor’s visit, or time consuming, like the yearly requirement of filing a tax return. In fact, there’s a near-even split among Americans who think we don’t have enough regulation of the financial industry… The post How Government Regulations May Impact the “Average Joe” ...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • Trends in the ETF Market
    In recent months, there has been a recent movement out of actively managed investments into passively managed instruments such as exchange-traded funds. Globally, ETFs gained more than $270 billion in 2016.1 An ETF is a single investment vehicle that tracks all of the securities within an index, a commodity, bonds or a group of assets… The post Trends in the ETF Market appeared first on Safeguard ...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • What Is a “Safe” Retirement Withdrawal Rate?
    In an investment portfolio, the withdrawal rate is the monetary percentage from which a retiree draws from his account each year. A “safe” withdrawal rate is a fixed percentage distributed as a systematic withdrawal that reasonably expects portfolio funds to last throughout the retiree’s lifetime. When determining your personal retirement withdrawal rate, it’s important to… The post What Is a “Saf...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • Medicare Reform Outlook: Uncertain
    With a new administration in the nation’s highest office, there is growing debate about Medicare reform. The federal program, which helps provide health insurance to those over 65 and certain younger people with disabilities, is partially funded by participant premiums and a 1.45 percent payroll tax, matched by employers. Yet, it routinely exceeds its funding… The post Medicare Reform Outlook: Unc...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
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New blog articles detected.

  • How Much Can a U.S. President Do?
    Donald Trump has a broad presidential agenda that encompasses foreign trade, immigration, deregulation, taxes and investment in U.S. infrastructure. These policies are poised to impact certain industries over others, such as health care, energy, financial services and technology.1 Every presidential candidate enters the campaign with a platform of changes and priorities, which presumably dominate t...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • For the Health of Marriage
    Turns out marriage can do more for your heart than fill it with love. A recent study found that, among other health benefits, married people have a higher probability of surviving a stroke.1 They are also more likely to survive major surgery, have fewer heart attacks, be less likely to have advanced cancer when diagnosed… The post For the Health of Marriage appeared first on Safeguard Investment.
  • Helping Make Your Retirement Money Last
    For every five years longer a retiree lives, he or she spends about 15 percent less on average. This means that people in their 70s spend about half of what they do in their 50s. Even with the ramp-up in medical expenses that often comes later in life, retirees still tend to spend less as… The post Helping Make Your Retirement Money Last appeared first on Safeguard Investment.
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • The Stock Market in Volatile Times
    You’ve likely heard a few clichés when it comes to investing: stay the course; buy right and hold tight; time is more valuable than money; etc. The point is clear, if your investments align with your goals, timeline and risk tolerance, then there may be no reason to make changes to your portfolio when the… The post The Stock Market in Volatile Times appeared first on Safeguard Investment.
  • Opposites Attract: Couples and Their Finances
    It’s very common for a married couple to have vastly different financial personalities. One may be frugal and the other a big spender. As we all know, money can be the source of some pretty big challenges in a relationship. Thirty percent of couples argue over finances at least once a month, and 5 percent… The post Opposites Attract: Couples and Their Finances appeared first on Safeguard Investmen...
  • Planning to Travel in 2017? Here Are Some Tips
    Traditional vacation prep used to entail choosing a budget destination, buying some traveler’s checks and heading to the airport just in time for your flight. For many, that list of things to do has changed drastically. “Wellness travel” has become a big draw for vacationers who are willing to spend around 140 percent more than… The post Planning to Travel in 2017? Here Are Some Tips appeared firs...
  • Perks of Growing Older
    Getting older has its perks — from potential tax breaks to everyday discounts. It’s like turning 21 and getting carded all over again. Only now, in some ways, the older you are the more you may be able to save. If you’re closing in on retirement, you may be in position to start saving more… The post Perks of Growing Older appeared first on Safeguard Investment.
  • The Road To Retirement Takes Effort
    The first things that come to mind when thinking about retirement may be rest and relaxation, but before you reach that point, you need a financial strategy that can support your post-career plans. A recent study found many current retirees are worried about just making day-to-day expenses:1 • The median annual income for married retirees… The post The Road To Retirement Takes Effort appeared firs...
  • LTC Considerations
    Long-term care insurance (LTC) has experienced some growing pains in recent years. Sustained low interest rates and coverage limitations have made it difficult for some to find policies that meet their needs.1 As a result, many LTC insurers have exited the business because they couldn’t make a profit. Today, there are only 14 carriers still… The post LTC Considerations appeared first on Safeguard ...
  • Health Care Spending Trends
    For the 40+ year period of 1961 to 2002, health care expenses followed a pretty steady upward trend, thanks to things like the introduction of Medicaid, coverage expansion and occasional price increases.1 But between 2003 and  2007, that rampant growth slowed down considerably, and the impact of the recession was felt from 2008-2013.2 Many Americans… The post Health Care Spending Trends appeared f...
  • Retiring Soon? Your Pension Matters
    When it comes to preparing for retirement, headlines about underfunded pensions can be troubling. One study found that 21 state pensions held less than 40 percent of the assets needed to pay benefits. To make up for that shortfall, each taxpayer would have to contribute an extra $1,385 per year.1 While not every worker in… The post Retiring Soon? Your Pension Matters appeared first on Safeguard In...
  • Are You Suffering From Financial Stress?
    Despite the strengthening economy and positive outlook, some people are still experiencing high levels of financial stress. Many are worried about meeting monthly expenses, with 30 percent reporting in a recent survey of over 1,000 people that concern over their financial situation keeps them up at night.1 A 2014 report by the American Psychological Association showed… The post Are You Suffering F...
  • Pension Payments and Retirement Income Trends
    It used to be that only surviving soldiers were guaranteed an income to enjoy in their later years, a concept introduced during the first century B.C. by rulers of the Roman Empire. The idea of companies helping workers put money away for retirement didn’t exactly catch on with the rest of the workforce until the… The post Pension Payments and Retirement Income Trends appeared first on Safeguard I...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • Stock Market Performance During Election Years
    There’s only so much a U.S. president can do to improve the performance of the stock market, but that doesn’t keep people from connecting the highs and lows with the person sitting in the Oval Office. Regardless of party, the markets have traditionally improved during election years. Eighteen of the 22 election years since 1928… The post Stock Market Performance During Election Years appeared firs...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

New blog articles detected.

  • Risks In Your Financial Strategies
    In some way or another, there’s risk involved with any form of investment. Staying away from high-yield investments may prevent you from losing a significant amount of money, but then you may run the risk of not having enough retirement assets to reach your goals. Today, about 30 percent of individual investors’ liquid financial assets… The post Risks In Your Financial Strategies appeared first on...
Safeguard Investment Advisory Group, LLC
Safeguard Investment Advisory Group, LLC
Blog Post

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