Education

Five Life Stages: Paths to Saving for Retirement

The "Five Life Stages: Paths to Saving for Retirement" article, authored by Peter J. Gallgher, was recently featured in The Bass World - The Magazine of the International Society of Bassist. 

This article describes the five life stages to saving for retirement and decodes some of the more popular retirement savings products,  from Roth IRAs to 403(b) plans.

 

URPG Fall 2017 Newsletter

Featured content in this issue: 

(1) For Women, a Pay Gap Could Lead to a Retirement Gap

(2) Ten Year-End Tax Tips for 2017

(3) Managing Debt While Saving for Retirement

(4) Is the Social Security Administration still mailing Social Security Statements?

(5) Can I roll my traditional 401(k) account balance over to a Roth IRA?  

View the full newsletter

 

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, 

(4) Chart: Young Adult Milestones, 1975 vs. 2016,

(5) Can I roll my traditional 401(k) account balance over to a Roth IRA?

View the full newsletter.   

 

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.  

Learn the six tips and view the full article. 

 

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.

This material is intended for informational/educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. Please contact your financial professional for more information specific to your situation.

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 and how much is going toward investment fees.  

This material is intended for informational/educational purposes only and should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. Please contact your financial professional for more information specific to your situation.

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.

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, since June 2017 - and full implementation of the rule by July 1, 2019.

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