Your Own Retirement, LLCBlog


We help individuals and families pursue their ideal retirements.

Market Trends to Watch

January 15, 2020

The investment world is like the weather: constantly changing. Financial vehicles are tweaked and improved upon, particularly when there are changes to tax law or compliance rules. The world of finance is fluid, and so are we. As our lives evolve, it’s important to review and sometimes make adjustments to our investment and insurance goals…

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The Future of Manufacturing

January 15, 2020

A concerted effort to draw American manufacturing operations back to the U.S. over the past three years has done little to move the needle. In fact, a recent report from the Department of Commerce reveals that the manufacturing sector is at its lowest representation of the national economy in 72 years — a mere 11%…

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The Importance of Women Achieving Financial Confidence

January 15, 2020

Married or single, women are finding that taking an active role in their financial futures is critical. About 80% of married women outlive their husbands, and nearly half of all widows say they wish they’d been more involved in managing their finances when their spouse was alive.1 Whether you have a career or rely on…

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Don’t Avoid Family Conversations About Money

July 16, 2019

One of the first discussions a young couple may have when starting a family is about affordability. How will they pay for child care? Will one spouse quit their job to stay home and raise the child? Here are a couple of interesting facts that may enter that equation:1 The average income for first-time mothers…

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Stock Market Roundup: What to Watch

July 9, 2019

Between 1926 and 2018, the S&P 500 experienced double-digit annual losses only 11 times. Not only did the market recover, but the index has never permanently lost ground in any rolling 15-year period during that timeframe.1 While past performance is no guarantee of future results, that bit of history is good for stock investors to…

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Boosting Financial Literacy is a Top Priority

June 25, 2019

Financial literacy has always been a challenge. However, now that much of the burden of retirement income has shifted to employees instead of employers, it is all the more important that we begin teaching the principles of saving and investing to people as early as possible.1 In a recent survey, 44 percent of Americans said…

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Why Buy an Annuity When the Market is Up?

June 19, 2019

Perhaps you are familiar with an annuity. The basic premise is that you convert a lump sum of money into a stream of income. Unlike an investment, once you commit a fixed amount of money to the insurance company, that company is contractually obligated to provide you a minimum level of income with the option…

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Tech Trends

June 11, 2019

There are different formulas for launching highly successful companies. First, create a product that solves a problem that no one knew they had — for instance, how online search engines replaced encyclopedias. Then, there are ideas that help solve problems that plague millions of people. Back pain, for example. Not only do approximately eight in…

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Retirement: Savings and Financial Health

June 4, 2019

As many baby boomers near retirement, some new facts are coming into focus. According to the latest Government Accountability Office (GAO) report on retirement security, 29 percent of households aged 55 and older have no savings set aside for retirement and no pension. If that doesn’t change, they’ll be relying solely on Social Security during…

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Real Estate Investing

May 28, 2019

Investing in real estate can be an option to help diversify a portfolio because the market isn’t directly correlated with stock and bond markets. You don’t have to buy properties and become a landlord to participate, and there are a number of different financial vehicles available based on an investor’s key objectives, timeline and tolerance…

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We Had a Strong Q1 2019; What’s the Outlook for the Rest of the Year?

May 22, 2019

The first quarter of 2019 proved to be a strong one. The S&P 500 posted a 13.1% gain (the highest quarterly gain since 2009), the Dow Jones Industrial Average rose by 11.15% and the Nasdaq increased by 16.5%. Bond investors in both developed and emerging markets saw three consecutive months of positive returns. Oil prices…

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2019 Market Prognostications: What the Experts Say

February 26, 2019

By the end of 2018, not one of the eight asset categories tracked by Ned Davis Research was on track to post a return greater than 5 percent. Since it’s common for the market to yield at least some “winners” and “losers” among asset classes each year, this was a significant phenomenon that hasn’t occurred…

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