Education

URPG Summer 2017 Newsletter

Featured content in this issue:  (1) Working in Retirement: What You Need to Know,  (2) Testing Your Investing IQ,  (3) The Health-Wealth Connection,

And more!

In Your 50's? Time to Start Planning for Retirement. Here's How......

Are you age 50 or older? This is the time to take a thorough look at your future and how you can best plan for it.  Lay out a road map using the six steps. Then take it one step at a time.

Estate Planning: It's for Everyone

If you’re like many people, you’ve thought about making an estate plan, but you just never get around to doing it. Perhaps you’re too busy, or maybe you’d rather avoid considering what will happen in the event of your incapacity or death. Although these concerns are understandable, estate planning is a vital component of your financial well-being—and one that’s best tackled sooner rather than later.

Why you need an estate plan

Is Your Financial Adviser Acting in Your Best Interest?

Typically there's a lack of understanding of the fiduciary rule and the its impact on you and your retirement accounts.  Here's an illustration of the significance of the fiduciary rule to you as an investor and the importance of having a Financial Adviser that can act in your best interest, sourced from the New York Times.

The 21 Questions You’re Going to Need to Ask About Investment Fees

This is a third party article from the New York Times that features 21 questions that you need to ask about investment fees. It is important to know as an investor how much of your contribution is working for you versus going toward investment fees.  

Have You Checked Your Retirement Plan Lately?

It's generally a good idea to review your employer-sponsored retirement savings plan at least once each year and when major life changes occur. If you haven't given your plan a thorough review within the last 12 months, now may be a good time to do so.

Have you experienced any life changes?

Since your last retirement plan review, have you experienced any major life changes?

Question to ask your retirement advisor: "Are you a fiduciary?"

Did you know upcoming regulations require advisors of retirement accounts to be fiduciaries?

The Department of Labor (DOL) Conflict of Interest rule states that all advisors who manage individual retirement accounts are now required to be fiduciaries, meaning they must act in the best interests of their clients when providing retirement savings and investment advice - full compliance by advisors is expected by April 10, 2017.

We’ve made a career out of helping you plan for retirement.