Annuities can be a very valuable part of an investment portfolio. Unlike stocks & bonds, they provide guaranteed income for as long as you live (at least to the extent supported by your state’s Life & Health Insurance Guarantee Association). But getting help on what kind of annuity to buy (let alone which one specifically)…
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New college graduates these days face the same financial challenges that young workers have faced for the last several generations. As they enter the workforce there’s the cost of an apartment, perhaps a used car if public transportation is lacking, and of course their personal preferences for entertainment. At some point during their evolution they…
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One of the problems many employees have faced over the last decade is the rapid disappearance of the traditional company pension plan – also known as a defined benefit (DB) plan – in favor of defined contribution (DC) plans. With DB plans, the investment risk is completely borne by the company, while the opposite is…
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Now that the Powerball lottery has arrived in California, I thought it would be good to talk about the impact of unexpected or sudden wealth on one’s life. We’ve all probably dreamed at one time or another about how fantastic our lives would become if we could only win the lottery. I’ve no doubt there…
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The Social Security Administration gives retirees the option of collecting social security (SS) benefits as early as age 62. But they offer a much higher monthly benefit if you choose instead to delay collecting benefits until age 70. How much more? According to Elaine Floyd of Horsesmouth, LLC, a financial advisor consulting company, if you…
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It seems like the bad news about our retirement prospects just keeps on coming. According to a U.S. Census Bureau report just released, the median level of debt among households led by someone 65 and older more than doubled over the last decade from roughly $12,000 to $26,000. This increase was the biggest among any…
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Cognizant Wealth Advisors, LLC ("Cognizant") is a dba of Perigon Wealth Management, LLC ("Perigon").
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For additional disclosures, please visit www.perigonwealth.com.
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