Take steps so criminals won’t take vital information from you. Provided by by Peter Miralles, CFP®CIMA®CLU America is enduring a data breach epidemic. As 2013 ended, the federal Bureau of Justice Statistics released its 2012 Victims of Identity Theft report. Its statistics were sobering. About one in 14 Americans aged 16 or older had been […]

 A convenient move that could ward off probate on your accounts. Provided by Peter Miralles, CFP®CIMA®CLU TOD, JTWROS…what do these obscure acronyms signify? They are shorthand for transfer on death and joint tenancy with right of ownership – two designations that permit automatic transfer of bank or investment accounts from a deceased spouse to a […]

Examining the potential differences between assumption & reality. Provided by Peter Miralles, CFP®CIMA®CLU Financially, how might retirement differ from your expectations? To some degree, it will. Just as few weathercasters can accurately predict a month’s worth of temperatures and storms, few retirees find their financial futures playing out as precisely as they assumed. As you […]

When was the last time you looked at the content of your portfolio? Provided by Peter Miralles, CFP®CIMA®CLU When turbulence hits Wall Street, are you stressed out? If you have taken on too much risk in your portfolio – which can happen through intention or inattention – stock market volatility may make you anxious. So […]

New economic & political concerns are putting stocks to the test. Presented by Peter Miralles, CFP®CIMA®CLU Dow drops again, analysts wonder. March 13 saw another triple-digit descent for the blue chips – the Dow Jones Industrial Average plummeted more than 230 points, the second market day in less than two weeks to witness a loss […]

 A look at the fundamentals affirms the hunch. Provided by Peter Miralles, CFP®CIMA®CLU The stock market may be up and down this year, but America’s economic recovery seems to be proceeding at a decent pace. Anyone who wants some evidence of that can find it in some key fundamental indicators. Pessimists may counter: didn’t the […]

How might they affect investments, housing & retirees? Provided by Peter Miralles, CFP®CIMA®CLU How will Wall Street fare if interest rates climb back to historic norms? Rising interest rates could certainly impact investments, the real estate market and the overall economy – but their influence might not be as negative as some perceive. Why are […]

Examining the potential differences between assumption & reality. Provided by Peter Miralles, CFP®CIMA®CLU Financially, how might retirement differ from your expectations? To some degree, it will. Just as few weathercasters can accurately predict a month’s worth of temperatures and storms, few retirees find their financial futures playing out as precisely as they assumed. As you […]

Certain financial & lifestyle choices may lead you toward a better future. Presented by Peter Miralles, CFP®CIMA®CLU Some retirees succeed at realizing the life they want, others don’t. Fate aside, it isn’t merely a matter of stock market performance or investment selection that makes the difference. There are certain dos and don’ts – some less […]

The “dirty dozen” that criminals & cheats try to get away with year-round. Presented by Peter Miralles, CFP®CIMA®CLU Year after year, criminals try to scam certain taxpayers. Year after year, certain taxpayers resort to schemes in an effort to put one over on the IRS. These cons occur year-round, not just during tax season. In […]