Blog
What’s on our mind? You can read about it in our blog. Whether it’s ideas from the industry or emerging trends, you can read about it here. And once in a while, we may throw in a movie review or some other surprise. So keep checking in. We’re glad to have you reading along.
Weekly Market Insights: Rising Inflation Concerns
We are bringing back our Weekly Market Insights report with some updates and improvements. Also, we would like to announce our Podcast: The Retirement After 60 Show where our host, Artie Bernaducci, interviews guests and talks about.....
Read MoreHow Soon Might the Stimulus Arrive?
While many in the United States are beginning to receive vaccinations and people are starting to foresee a life after COVID-19, it remains clear that things aren’t yet back to normal. As a result, there has been a great deal of...
Read MoreJuly 28, 2020 Weekly Market Insights: Stocks React to Jobs Report
Since we haven't been able to catch a movie in New Jersey lately, I thought it would be fun to reminisce. On July 28, 1978, National Lampoon's Animal House was released in theaters. With a mere $3 million dollar budget, the movie has...
Read MoreJuly 21, 2020 Weekly Market Insights: Stocks See a Mixed Week
July 21 is National Junk Food Day! This is the one day a year to stray from our healthy diets and indulge in our favorite treat! Reading this blog a little late? That's okay, we won't tell! So, grab your favorite snack or treat and...
Read MoreJuly 15, 2020 Weekly Market Insights: Stocks Gain After Volatile Week
Today is tax day! For those who have not filed yet, hopefully, you or your CPA submitted the proper extension request forms for a little extra time. This week also kicks off earnings season starting with the big banks. Please enjoy...
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July 8, 2020 Weekly Market Insights: Quarterly Report
In a holiday-shortened week, stock prices turned higher as encouraging economic data outweighed an increase in COVID-19 cases and a rollback in economic re-openings.The Dow Jones Industrial Average rose 3.25%, while the Standard &...
Read MoreWe The People!
Dear I think we all need to recall the meaning of what it means to live in America, founded on the words WE THE PEOPLE. The recent demoralization of our nation's values and history that was seen by millions with riots NOT peaceful...
Read MoreJune 30, 2020 Weekly Market Insights: Rise in Cases Inspires Turbulence
Please enjoy this edition of my Weekly Market Insights Blog. It's a shortened trade week as the stock exchanges observe the fourth of July this Friday. A jump in COVID-19 cases dampened investor enthusiasm last week, sending stock...
Read MoreNEW WEBINAR: Your Retirement After the Pandemic plus 5 Factors & 3 Tactics You Should Know About Now
NEW, Short WEBINAR: Your Retirement After the Pandemic & 5 Factors You Need to Know I did a short webinar this week and wanted to share it with you. I covered the following: COVID-19: A Look at Your Financial Risk 5 factors driving...
Read MoreWeekly Market Insights: U.S. Economy Gains Momentum
Happy summer! It's hard to believe we are almost half way through 2020. It's been a strange year to say the least. I'm hopeful that we have a more optimistic second half of the year. Broad markets have been stable the last few trading...
Read MoreDoes Your Retirement Planning Include Plans For Where You Will Live?
My mother was a million dollar real estate agent back in the 1970's through the mid-1980's. When she saw the retirement writing on the wall, she decided to buy a piece of land in the Naples area of Florida about 10 years before she...
Read MoreJune 16, 2020 Weekly Market Insights: Markets React to Fed Report
Yesterday, New Jersey restaurants got the green light to open their doors for outdoor dining only. This seems positive even though several other states saw an uptick in positive virus cases including Arizona, Texas and Florida 7....
Read MoreJune 10, 2020 Weekly Market Insights: Recovery Optimism Builds
As more and more states begin to open up non-essential businesses as well as the passage of less strict requirements of PPP loan usage, the markets saw that as a favorable sign. Too bad New Jersey is still 2-4 weeks behind the rest of...
Read More3 Simple Things You Can Do Right Now, In Particular, to Keep Your Retirement Plan on Track
Many people who thought they had a viable retirement plan in place in early 2020, have found themselves watching the stock market cautiously. Gratefully, things have improved in the last several weeks. That said, with everything else...
Read MoreIf you think English is easy because you speak it, you need to read this blog
When I first saw this email, I was confused what a Homograph was. When I read it, I couldn't help but laugh because it shows how complex our language really is! Anyway, Homographs are words of like spelling but with more than one...
Read MoreHow Covid-19 Has Put Your Retirement at Risk And How You Can Get Back on Track
I think we need a time machine right now, like the one that was in the old TV series with James Darren, The Time Tunnel. After all, the two characters, Tony and Doug become participants in past events such as the sinking of the Titanic...
Read MoreJune 2, 2020 Weekly Market Insights: Optimism for Re-Opening
Hello Friends, Clients & Colleagues, In recent days, we have watched as outraged and frustrated protesters spilled out into the streets of American cities. Across our communities, unhealed wounds have been brought vividly to our...
Read MoreOPENING SOON and Prioritizing Your Physical Safety at Our Office During and After COVID-19
Of all the TV watching I did over the last two months it never occurred to me to watch movies about pandemics. Hmm… You know, like in THE ANDROMEDA STRAIN (1971), where the key to defeating the virus, was in finding what the two...
Read MoreMay 26, 2020 Weekly Market Insights: Markets React to Positive Outlook
Hello Everyone! New Jersey gets the go ahead to hold high school graduation ceremonies and begin professional sports events. Traders took to the floor of the New York Stock Exchange since it shut down in March. Airlines still losing...
Read MoreMay 19, 2020 Weekly Market Insights: Powell Somber on Recovery
As we head into the Memorial Day Weekend, we hope that you and your families can enjoy this time together and continue to stay safe and healthy. We recently received a request from our local Boy Scout troop of which both my son's are...
Read MoreRetiring Does NOT Mean You Have to Give Up Your Creativity!!
When your grandparents retired a few decades ago, they may have spent a considerable amount of time sitting on the front porch or putting together jigsaw puzzles on the living room coffee table. But that’s not the case anymore...
Read MoreA Longer Life Requires Retirement Income to Be Stretched Farther...Are You Prepared?
My father-in-law is 96. Kirk Douglas was 103 and his wife is 102. Olivia de Havilland is 102. It is estimated that there are currently living 150 to 600 people alive who have reached 110 years old. 1 As our lifespan has increased, it...
Read MoreWill the Coronavirus Come Back Even Stronger? Be Prepared…Just in Case
I don’t know about you, but I keep feeling like Bill Murray in that movie, Groundhog Day, where my alarm keeps going off and I live the same day, every day. As sure as the sun will rise and set, this morning and the previous 2...
Read MoreAre Supplements Really All They’re Cracked Up To Be? Or Are They Actually Doing More Harm Than Good?
As Baby Boomers make their way through their “next 50 years,” eating right and exercising have become essential components for many – and to aid with a long list of issues, such as digestion, stamina, and weight loss,...
Read MoreWith Pensions Disappearing...Can Baby Boomers Still Count on Lifetime Income in Retirement?
I think about being 63 sometimes and subtract years from it to remember a time in the past to feel how fast the time has flown. My sister and I used to talk about how old we would be in 2000. I said I’d be 43. I won’t say...
Read MoreHandling Your “New Normal” After Losing a Parent
Back in the early 2000's I became my mother's primary caretaker after she had a major stroke. Over the next few years she did recover quite well and moved into a Continuing Care Retirement Community (CRCC). She went from Independent...
Read MoreIs Your IOU to the IRS Growing?
It is if you’re saving money in tax-advantaged accounts like traditional IRAs and/or employer-sponsored retirement accounts like a 401(k) or 403(b) plan. That’s because in most cases, your contributions that go into these...
Read MoreStaying Fit When You’re Over 60...Maintaining a Safe and Effective Exercise Routine in Retirement
Even if you were a gold medal athlete in your younger years, it can be difficult to maintain a regular exercise routine as we get older. One barrier is simply finding the time – particularly if you are still working at a full-...
Read MoreDefining Your Ideal Retirement Dream... What Will Your Purpose Be Then?
Close your eyes for a moment and imagine your ideal retirement. What do you see? Are you and your spouse relaxing in your new beach house - the home that you've both been imagining for many years? Or, does your dream take you...
Read MoreHurry, While Supplies Last! Is Social Security Really Running Out of Money?
As you prepare to retire, you may have started wondering how much money you will receive each month from your Social Security retirement income benefits. You may also have concerns about whether or not you will get any benefit from...
Read MoreWill You Be Happy or Unhappy in Retirement?
A brand new year – and even better yet, a brand new decade – is always a good time to review past accomplishments and to plan ahead for the future. This is particularly the case for many Baby Boomers who are anticipating...
Read MoreHOW THE HACKER (COULD) STEAL CHRISTMAS, HANUKKAH, and any other day of the year!
Well, the Holiday season is in Full Swing. Have you been shopping online by any chance?How The Hacker Stole Christmas If so, this blog post may interest you...and please shoot me an email if you want more information. For starters, do...
Read MoreWHY Is Thanksgiving Such A Binge Fest?
Thanksgiving IS a binge-fest. Ever wonder why we not only allow, but plan to give in to our gluttonous selves on the last Thursday of November? Why is Thanksgiving all about the pumpkin pie? The puffed appetizers? The black Friday...
Read MoreThe 2 Major Financial Periods in Your Life
While there are many ways to save and accumulate assets for our future retirement, for us boomers, this was just the beginning - it is just one of the two key parts of the overall retirement picture. The first part, where we have been...
Read MoreThe "G" word
Thanksgiving is in a few weeks and it made me want to go to the Memorial Park where my parents are buried. One of the things that I learned from my relationship with them was too try to be grateful under almost any circumstance because...
Read More48 ways to immediately beat a hacker at their own game, PERIOD!
When Spring comes, it melts the Winter snows. That's a fact. Likewise, freezing your credit will prevent thieves from stealing your identity. That was a fact, but maybe not so much anymore. With all the breaches that have occurred in...
Read MoreWho Else Wants To Avoid Past Mistakes In The Future?
I can kick myself for some of the dumb mistakes I have made in my life. Maybe you feel like that too? Well, we all have heard that history has a way of repeating itself… Maybe we should pay attention to that! Here's what I mean....
Read MoreDo You Believe These 4 Myths About Long Term Care?
When my mom was 79 years old, she had a massive stroke and it took 2 years to her life back to "almost normal". During that time I was her primary caretaker, which did have its ups and downs. I tell you that to tell you that this...
Read MoreWhat Everybody (Especially Boomers)Ought To Know...About Getting Their Smart Phone Hacked (Part 2)
Based on my last post, the question arises "What can we do to protect my phone being hacked?" Well, I'm glad you asked! Let's start with... The Many Dangers of Having Your Cell Phone Hacked Kathy had just hung up from an important, and...
Read More"What Everybody (Especially Boomers) Ought To Know...About Getting Their Smart Phone Hacked (Part 1)
In 2004 my bank account was hacked and I was so amazed that someone could get past the protection of one of the world's largest bank's security system. So I became an avid student of Identity theft and the purpose of this two-part...
Read MoreOctober 2019: What's up at Retirement Income Advisory Group? Lower Trade Costs!
Big news! As most of you know, we have chosen to use TD Ameritrade as our firm's account custodian. We originally chose them over other institutions for a wide range of reasons including their award winning technology as well as their...
Read MoreMedicare and Baby Boomers - Digesting the Alphabet Soup! (Part 2)
Today we will focus primarily on Original Medicare- parts A and B. We will also take a look at Medicare Supplements. Original Medicare was never intended to cover all of a retiree’s health expenses, similar to how Social Security...
Read MoreWhy Baby Boomers Absolutely Need a Will, Living Will and Power of Attorney
Why Baby Boomers Absolutely Need a Will, Living Will and Power of Attorney Here’s a secret, but it’s between you and me okay? I used to go and get my haircut at different salons when my hair started to go grey in my mid-...
Read MoreShould You Keep Your Current Advisor?
Somewhere along the way you might have heard somebody say: “Man, I hadn’t thought of it that way. I hadn’t heard that before. I hadn’t seen that perspective before.” Maybe you learned something. Whatever...
Read MoreMedicare and Baby Boomers - Digesting the Alphabet Soup! (Part 1)
If you are reading this blog post, chances are you are at that point in life where you need to make some decisions about your retirement healthcare. The purpose of this blog is to give a quick overview of what I call "Medicare Alphabet...
Read MoreBURGERS AND BOOMERS
Did you know that the burger chain FIVE GUYS* is the most reviewed restaurant in the world and has grown from one store in Arlington, Virginia back in 1986 to more than 1500 locations in recent years?*Their secret is their focus....
Read MoreDo You Know About This Common Retirement Mistake?
We have seen this mistake made more often than you'd expect.
Read MoreA Decision Not Made Is Still a Decision
A Decision Not Made Is Still a Decision Whether through inertia or trepidation, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, “Almost any decision...
Read MoreSystematic Withdrawals in Retirement
Many of us grew up with the concept that making regular, periodic contributions to our retirement account was a sound investment strategy. The idea was that, in a fluctuating market, regularly investing a set amount would enable an...
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