It might be better to wait a bit longer. Provided by Peter Miralles, CFP®CIMA®CLU Some people retire at first opportunity, only to wish they had waited longer. Thanks to Wall Street’s long bull run, many pre-retirees have seen their savings fully recover from the shock of the 2007-09 bear market to the point where they […]

Working a little (or a lot) after 60 may become the norm. Provided by Peter Miralles, CFP®CIMA®CLU Do we really want to retire at 65? Not according to the latest annual retirement survey from the Transamerica Center for Retirement Studies which gauges the outlook of American workers. It found that 51% of us plan to […]

Have you addressed this issue? Provided by Peter Miralles, CFP®CIMA®CLU Social media and email accounts. Creative works, photos and keepsakes kept on home computers, the cloud or external storage drives. E-commerce accounts. Domain names. Bitcoin. These are all examples of digital assets. You will manage them closely as long as you live – but what […]

Some baby boomers are supporting their “boomerang” children. Provided by Peter Miralles, CFP®CIMA®CLU Are you providing some financial support to your adult children? Has that hurt your retirement prospects? It seems that the wealthier you are, the greater your chances of lending a helping hand to your kids. Pew Research Center data compiled in late […]

U.S. equities face their biggest test of 2015. Provided by Peter Miralles, CFP®CIMA®CLU June definitely ended with some drama. When Greek government officials told Reuters Monday that the nation could not make its €1.5 billion loan repayment to the International Monetary Fund on June 30, the Dow plunged 350.33, the S&P 500 43.85 and the […]

Key lessons for retirement savers. Provided by Peter Miralles, CFP®CIMA®CLU You learn lessons as you invest in pursuit of long-run goals. Some of these lessons are conveyed and reinforced when you begin saving for retirement, and others you glean along the way. First & foremost, you learn to shut out much of the “noise.” News […]

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 […]