Financial Intel Monthly

Common Stock vs. Preferred Stock

Jan 21, 2019 7:41:21 AM / by The Retirement Group (800) 900-5867 posted in financial freedom, Financial Planning, income, invest, Money, Retired, Retirement, retirement planning, stock, stocks, The Retirement Group, 401k, 401K.com, 72T, access.att, Age Penalties, wallstreet

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The Retirement Income Gender Gap: Dealing with a Shortfall

Jan 13, 2019 9:00:57 AM / by The Retirement Group (800) 900-5867 posted in bonds, financial freedom, Financial Planning, investing, real estate, retirment, savings, stock, The Retirement Group, The Retirement Group LLC, wallstreet, wage gap

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male and female hugging each other

When you determine your retirement income needs, you make your projections based on the type of lifestyle you plan to have and the desired timing of your retirement. However, you may find that reality is not in sync with your projections, and it looks like your retirement income will be insufficient to meet your estimated expenses during retirement. This is called a projected income shortfall.

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Growth vs. Value: What's the Difference?

Jan 12, 2019 9:10:30 AM / by The Retirement Group (800) 900-5867 posted in bonds, bull market, investments, market, Money, money management, stock, stock market, The Retirement Group, bear market

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Concentrated Stock Positions: Considerations and Strategies

Jan 11, 2019 12:42:37 AM / by The Retirement Group (800) 900-5867 posted in capital, Chevron, ExxonMobil, financial freedom, Financial Planning, Hewitt, In Service Withdrawal, investing, Money, Retirement Planning, shares, stock, stock market, tax advantage, taxes, The Retirement Group LLC, access.att, age penalties, AT&T 401K, benefit commencement date, benefits help, wallstreet, Verizon Seminar, Verizon Workshop

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space grey ipad air with graph on brown wooden table

Whether you inherited a large holding, exercised options to buy your company's stock, sold a private business, hold restricted stock, or have benefitted from repeated stock splits over the years, having a large position in a single stock carries unique challenges. Even if the stock has done well, you may want more diversification, or have new financial goals that require a shift in strategy.

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Retirement Planning With Health Care Expenses in Mind.

Jan 10, 2019 9:00:09 AM / by The Retirement Group (800) 900-5867 posted in bonds, family, financial freedom, health insurance, Retirement, stock, 401K, 401k, 401K.com, 72T, 72t, access.att, Age Penalties, age penalties, annuity, AT&T 401K, AT&T Pension, AT&T seminar, att workshop, benefit commencement date, Best adviser, medicare, wallstreet

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It is only wise to consider what Medicare won’t cover in the future.

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Women & Money Paralysis. Not making a move may not be the best move to make.

Dec 29, 2018 8:24:07 AM / by The Retirement Group (800) 900-5867 posted in financial freedom, In Service Withdrawal, investment, Money, Northrop Grumman, Option 1 withdrawal, Retirement, stock, 401K, 401k, 401K.com, 72t, age penalties, ATT, AT&T Pension, AT&T seminar, Benefit Commencement Date, benefit commencement date, big spending

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What Rising Interest Rates could mean for your Money

Dec 26, 2018 1:14:49 PM / by The Retirement Group (800) 900-5867 posted in financial freedom, Interest, invest, investing, Profit, rates, retirement planning, stock, The Retirement Group, wallstreet

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After years of keeping the benchmark federal funds rate at historic lows, the Federal Reserve has been raising it gradually. Controlling the interest rate is one way the FOMC attempts to control inflation and economic growth. The near-zero rates were an emergency measure, and gradual increases reflect greater confidence in the U.S. economy. However, rising rates can affect you as a consumer and investor.

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High Expense Ratios Drag on Returns

Dec 26, 2018 1:06:29 PM / by The Retirement Group (800) 900-5867 posted in financial freedom, funds, investment, Money, profit margin, Retired, retirement planning, stock, The Retirement Group

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As value investors we believe in finding value in every place possible. Therefore, one of our 8-tenets, we look for funds that have a low expense ratio when compared to your peers. We believe that that a higher expense ratio does not necessarily mean higher performance, and instead reduces the return on investment. While you may assume that higher expense ratio MUST mean you’re paying for better performance, but this is actually not true. In this paper we will look at a few examples that indicate funds with high expense ratios should be avoided for cheaper alternatives, if possible.

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Financial PTSD

Dec 26, 2018 1:49:06 AM / by The Retirement Group (800) 900-5867 posted in forex, Money, stock, stock market, The Retirement Group, binary options, bitcoin, wallstreet

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Should a flattening yield curve scare retirees?

Dec 24, 2018 2:37:07 PM / by The Retirement Group (800) 900-5867 posted in bonds, economics, financial freedom, Money, recession, Retirement, stock, The Retirement Group

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The yield curve between the two-year Treasury and five-year Treasury inverted on Tuesday (12/4), rattling investors, as it is seen as signal that a recession is coming. The true “harbinger” of a recession, the inversion between the two-year and 10-year, hasn’t happened yet but the margin between the yields has narrowed significantly. Why does this matter? Let’s start out by understanding the yield curve.

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