Welcome to our NCM BLOG page where we will address timely investment and financial planning topics...
The future is something most of us take for granted. But the truth is we generally never know what tomorrow will hold. And when it comes to financial planning, perhaps there is nothing more important than keeping our families and loved ones in the most secure position as possible. What should you do? Read our blog to find out!
Investing isn’t about mastering the markets; it’s about mastering yourself. In a world where geopolitical chaos looms large and financial uncertainty seems to be increasing for many each day, the phrase "you are on your own" resonates with a sobering clarity. You must take the reins of your financial life.
We are often so focused on saving enough to achieve financial independence that we may fail to address the concern of how our portfolio will perform once we retire. Simply put, it's not only about how your assets are allocated and the average return of those investments over time, but also—importantly-- the order in which those returns occur; known as the “Sequence of Returns.”
Given the stock market volatility, increased lifespans, as well as the state of the world today--with inflation, geopolitical risks and political uncertainty here in the US, more and more individuals are looking for "guaranteed" sources of income. Pensions are being phased out and social security is meant to only be a supplement to retirement income. So, it may not be surprising that sometimes investors feel they have no other option but to buy an annuity, and in some situations, that may be the only choice. In this blog, we will delve into this insurance product and also provide another possible solution!
IRMAA stands for Income-Related Monthly Adjustment Amount. In short, if your income is high enough you will be subject to elevated premiums for Medicare. That’s right, you will pay more for the same coverage.
In this blog we review popular Wall Street lingo such as: What does it mean to "outperform or underperform"? Is something labeled "Private" always special? What are the different Fee Models and how do they relate to the Fiduciary Rule? Our thoughts and opinions on each......