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 […]

A “not-to-do” list for the new year & years to follow. Provided by Peter Miralles, CFP®CIMA®CLU EA  How are your money habits? Are you getting ahead financially, or does it feel like you are running in place? It may come down to behavior. Some financial behaviors promote wealth creation, while others lead to frustration. Certainly […]

Millions of taxpayers may end up doing so in 2015. Provided by Peter Miralles, CFP®CIMA®CLU EA If you received a 2014 health insurance subsidy, you may get an unpleasant surprise. When the Health Insurance Marketplace (HIM) went online in late 2013, Americans shopping for coverage were asked to see if they qualified for a subsidy […]

Don’t let these slip-ups creep into your federal tax return. Provided by Peter Miralles, CFP®CIMA®CLU EA No one wants to delay their federal tax refund. As you certainly don’t, filling out your 1040 form correctly is essential. To that end, it is worth noting some of the common 1040 mistakes – the little slip-ups that […]