Your Own Retirement, LLCBlog


We help individuals and families pursue their ideal retirements.

Advantages of Gender-Lens Investing

December 1, 2020

Gender-lens investing is the tactic of screening companies through female-centric filters. According to analysis by the Wharton School of Business, these filters include: Advancing women in finance Advancing women in leadership Advancing products and services that improve the lives of women Advancing companies that have a positive effect on their female employees Advancing companies that…

Read More »

Social Security Updates

November 24, 2020

The Social Security Administration (SSA) recently announced a new cost-of-living adjustment (COLA) starting in 2021. Beneficiaries can expect a 1.3% increase in their income payouts next year, which is actually smaller than the COLA increase was for this year.1 For single households, that’s an average increase of about $20 a month; $33 for married retirees.2…

Read More »

Let’s Talk About … the 401(k)

November 17, 2020

The 401(k) originally began as a company profit-sharing plan. Companies had been funding defined benefit pensions for years, but as their annual profits and stock prices experienced volatility, they looked for ways to share that burden with employees. Through profit sharing, workers made money when the company did and made less during down years. While…

Read More »

America’s Need for Better “Infloodstructure”

November 10, 2020

In February, Spirit Airlines decided to transfer a portion of its operations from Miramar, Florida, to Nashville, Tennessee. The key driver of this decision was recurring hurricane and tropical storm risk. This means a loss of 240 jobs for the Panhandle area.1 By mid-September of the 2020 hurricane season, mainland U.S. had already been hit…

Read More »

Fixed Income vs. Stock Portfolio

November 3, 2020

Early this year, many stopped spending and began saving money. This wasn’t difficult as many areas of the economy were — and possibly still are — shut down. For some, vacation plans were canceled, and the normal level of entertainment activities and dining out have been curbed. If you’ve remained employed, chances are good you’ve…

Read More »

Is the Economy Slowly, Silently Sliding?

October 27, 2020

Prospects for stock market growth have remained resiliently and optimistically cheerful this year, despite the nine-month-long pandemic. Unfortunately, the time may be at hand for a stock market price correction that better reflects the state of the global economy. The lack of ongoing fiscal stimulus which, even if passed, may not feasibly be able to…

Read More »

How Climate Change Could Affect the Economy

October 20, 2020

Some people believe that climate change is exacerbated by human intervention, while others argue that humans are not a factor. Regardless of what may or may not influence extreme weather events, economists are predicting that the long-term results of climate change could affect more than just our homes and possessions. In fact, the Congressional Budget…

Read More »

Preparing for Potential Pandemics

October 13, 2020

If you think the economic decline due to the pandemic has been difficult for you personally, the big picture numbers may be even worse. Analysts project that the total economic disruption could eventually cost between $9 trillion and $33 trillion. Many economists are advocating that the U.S. — and the world — make a concerted…

Read More »

Federal Legislative and Administrative Rules Update

October 6, 2020

If you received a stimulus check last spring to help cope with the financial effects of the COVID-19 virus on your household, there’s something you should know. Those funds are technically an advance rebate of a special 2020 tax credit. Many taxpayers will be able to reconcile that rebate on their 2020 return to equal…

Read More »

Americans and Their 401(k)s

September 30, 2020

A recent survey found that working households experiencing financial strain due to the pandemic have not been inclined to make withdrawals from their 401(k)s to help make ends meet. In fact, the vast majority haven’t even changed their rate of contributions. Instead, these households are relying on the “old standbys” of surviving during economic decline:…

Read More »

Financial Advising During a Pandemic

September 22, 2020

The pandemic has been hard on nearly everyone, and it’s particularly difficult for professionals who normally meet with clients in an office setting. Fortunately, financial advisors have been able to adapt to this “new normal.” Our goal is to be our clients’ trusted advisors. Once that relationship is established, we can work with clients by…

Read More »

Employers: Lessons From the Pandemic

September 16, 2020

We’ve learned a lot about infectious diseases this year, as well as how to adapt our lifestyles in response to a pandemic. It will be interesting to see if and how U.S. businesses adjust their operational models to account for the potential for future pandemics or other catastrophic events. According to the employment-population ratio, nearly…

Read More »

Ready to Take The Next Step?

For more information about any of the products and services listed here, schedule a meeting today or register to attend a seminar.

Or give us a call at 1.866.677.PLAN (7526)