Your Own Retirement, LLCBlog


We help individuals and families pursue their ideal retirements.

Innovation Around the World

February 2, 2018

Innovation Around the World Digital music service Spotify and the popular electronic games Minecraft and Candy Crush Saga all originated in Sweden. The country is home to some of the world’s largest technology companies and is second only to Silicon Valley for tech giants.1 Sweden provides free health care, free higher education and outstanding infrastructure…

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Artificial Intelligence: Innovation for Today’s World

December 8, 2017

Artificial Intelligence: Innovation for Today’s World   Artificial intelligence (AI) is rapidly changing the way businesses build products and even provide customer service. We now have automated virtual assistants and “chatbots” answering customer service calls.1 We even have self-driving cars being tested for pizza delivery.2 These quantum leaps in technological advances present both opportunities and challenges.…

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How to Help Avoid Fraud and Scams

December 1, 2017

  The recent security breach at credit rating service Equifax brings home the reminder that each of us must be ever-vigilant in protecting our private information.1 It can be easy to become lackadaisical. We expect companies with which we conduct financial transactions to keep our data secure. Unfortunately, hackers seem to be advancing their skills at…

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Goals-Based Investing

November 24, 2017

Goals-Based Investing There’s a difference between monitoring an investment and checking its performance on a daily basis. Rather than being concerned about short-term volatility in the market, consider the future purpose or goal of what you want your money to pay for. This is the fundamental idea behind goals-based investing. You don’t just seek out…

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When One Spouse Retires First

November 3, 2017

When One Spouse Retires First It’s easy to think of retirement and dream of a relaxed stroll into the sunset with your significant other by your side. After all, many advertisements repeat this theme with salt-and-pepper-haired couples strolling hand in hand across a beachfront. Yet, this is not always the case. Anymore, we often see…

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IRS News to Know

October 27, 2017

IRS News to Know As we head into the final quarter of 2017, it’s a good idea to stay cognizant of any tax issues that may affect your finances come April 2018. Now is the time to review your investments and income distribution plans to help ensure you don’t trigger additional taxes or penalties later…

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Assessing Risk in Retirement Income

October 20, 2017

Assessing Risk in Retirement Income When it comes to investing, there’s no such thing as a “safe bet.” Every type of financial vehicle has some level of risk, even checking and savings accounts. Back in the 1920s, people believed that the safest place to keep their money was a bank, and they were right. But…

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Income Strategies for an 8,000-Day Retirement

October 13, 2017

Income Strategies for an 8,000-Day Retirement By 2030, it’s estimated that 20 percent of the U.S. population will be over age 65.1 That means a fifth of all Americans will be on the fringe of retirement or already retired, a milestone that’s generally perceived to come late in life. But consider this, there are approximately 8,000…

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What is Evidence-Based Investing?

October 6, 2017

What Is Evidence-Based Investing? The evidence-based approach originated in the medical field to promote the use of clinical experience and the best available research to make decisions about individual patient care.1 In the investing world, this translates to a goal of using current evidence to help maximize an individual’s investment returns while minimizing risk from…

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Retirement Plan Fees: Know What You Are Paying

September 22, 2017

Retirement Plan Fees: Know What You Are Paying Many large companies offer employees a 401(k) plan with some degree of matching contribution. Although this is a good employee benefit to have, you always should pay attention to the fees involved in your plan. Your plan provider charges various fees to invest, manage and administer the…

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Strategic vs. Tactical Asset Allocation

September 15, 2017

Strategic vs. Tactical Asset Allocation In recent years, the markets, the economy and the global political scene have evolved considerably. We’ve witnessed both remarkable volatility and remarkable resilience in these areas. The reality is that less predictability in today’s economic landscape requires more vigilant risk diversification, coupled with the ability to adapt to a fast-changing…

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Five Reasons to Put Your Retirement Countdown on Hold

September 8, 2017

Five Potential Reasons to Put the Retirement Countdown on Hold Retirement is still something most people look forward to, but over the years, some of the reasons for anticipation have dwindled. During the industrial age, more people worked jobs requiring manual labor that were hard on the body. By mid-century, many rank-and-file workers could look…

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