Cybercrime has reached a new level. Provided by Peter Miralles, CFP®CIMA®CLU Imagine cybercriminals holding your files for ransom. It sounds like something out of a movie set in the distant future, but business owners and households are facing such a threat today. Hackers are now using ransomware to hijack computers and hold files hostage in […]

Some debts are worth assuming, but others exert a drag on retirement saving. Provided by Peter Miralles, CFP®CIMA®CLU Who will retire with substantial debt? It seems many baby boomers will – too many. In a 2014 Employee Benefit Research Institute survey, 44% of boomers reported that they were concerned about the size of their household […]

Will your accumulated assets be threatened by them? Provided by Peter Miralles, CFP®CIMA®CLU All too often, family wealth fails to last. One generation builds a business – or even a fortune – and it is lost in ensuing decades. Why does it happen, again and again? It is because families fall prey to serious money […]

Investors in longer-term Treasuries could really be punished. Provided by Peter Miralles, CFP®CIMA®CLU Will bond investors soon suffer major losses? In the last few years, Bill Gross, Jim Rogers and other pundits have warned of a bond bubble. While it has yet to occur – the broad bond market yielded an annualized 4.42% from 2010-2014 […]

Important life events may call for it. Provided by Peter Miralles, CFP®CIMA®CLU Many younger Americans lack life insurance. A 2014 report from insurance industry analyst LIMRA found that only a third of Gen Y Americans have any life insurance coverage. In the same survey of 6,000 respondents, six in 10 Gen X and Gen Y […]

Suggestions to accelerate & maintain the pace of the effort. Provided by Peter Miralles, CFP®CIMA®CLU Numerous articles have mentioned the obstacles women can face as they save for retirement. Turning from the negative, here are some positive factors that may help women save more. Financial literacy. Learning about investing, retirement topics and the markets is […]

As you approach your “third act,” does it need to be adjusted? Provided by Peter Miralles, CFP®CIMA®CLU Motivational speaker Denis Waitley once remarked, “You must stick to your conviction, but be ready to abandon your assumptions.” That statement certainly applies to retirement planning. Your effort must not waver, yet you must also examine it from […]

A university study serves as a wake-up call. Provided by Peter Miralles, CFP®CIMA®CLU Financially speaking, how many Americans are truly on track to retire? A recently published white paper suggests that about half of us are approaching our “third acts” with faulty assumptions. Perception differs from reality. Researchers from the University of Alabama and Ohio […]

How many households have the right outlook to build wealth? Provided by Peter Miralles, CFP®CIMA®CLU Why do some households save more than others? Building household savings may depend not only on cash flow, but also on psychology. With the right outlook, saving becomes a commitment. With a less positive outlook, it becomes a task – […]

Breaking down the basics & what each part covers. Provided by Peter Miralles, CFP®CIMA®CLU Whether your 65th birthday is on the horizon or decades away, you should understand the parts of Medicare – what they cover, and where they come from. Parts A & B: Original Medicare. America created a national health insurance program for […]