Advisors

When you think of Southern living in the United States, a sunny climate and warm hospitality may come to mind. So it should come as no surprise that moving south is a popular choice for retirees. But with so many options to choose from, where should you look to spend your golden years? While every
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If you are looking for a way to lower your taxes and have already worked your way through well-known deductions such as child-care expenses and property taxes, it may pay to think outside the box. There are some write-offs you may not have known about, and those could apply to your situation. That could come
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Jackie Cook, a specialist in corporate environmental, social and governance (ESG) disclosure analysis and founder of FundVotes, which was acquired last year by Morningstar, said the “engagement first, voting later” rationale doesn’t add up, because there is no reason why these companies can’t do both. And the engagements suffer from a lack of transparency. “There
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Daunting numbers indeed, but these conditions speak to priorities undertaken years earlier. Many families would list education as their No. 1 goal, and given the exorbitant cost of college tuition, it only makes sense that their nest egg is less than robust. This is an important distinction to make, that insufficient retirement savings could be
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“These consider additional factors about participants and have a more personalized portfolio for each person,” said David Blanchett, head of retirement research for Morningstar Investment Management. Target-date funds, which automatically shift from aggressive to conservative investments as investors move closer to retirement, held about $1.1 trillion in assets at the end of 2018, up from
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In addition to non-traditional strategies, Schmitzer is working with emerging market local currency bonds. While these investment-grade sovereign bonds are part of a volatile asset class and currency impact can be material, he said, he sees them as a part of a well-diversified fixed-income allocation. “We like the non-dollar denomination, which provides currency diversification,” Schmitzer
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Generating enough income in retirement calls for managing risks to that flow of cash. Retirement savers can’t do that unless they know what those risks are. Financial planners identify these eight prime retirement income risks and provide guidance for reducing them. 1. Timing: the risk you’ll retire during a bear market. Dallas-based certified financial planner
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Is now the time to revisit bonds in your portfolio? It may be, given that the Federal Reserve is advocating a “patient” approach to interest rates and a survey by the National Association for Business Economics has found that about 50 percent of U.S. business economists believe the country will be in a recession by
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