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 […]

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 […]