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By ashea | June 20, 2020

OVERVIEW The stock market initially posted a major drop at the beginning of the U.S. coronavirus outbreak. Since then, it has gained back some ground, but there continues to be daily volatility with no end in sight. That initial shock affected a lot of people. In fact, the Spectrem Group reported that the number of U.S. millionaires dropped by 500,000 in just the first quarter of 2020. The greatest concern is among people who have either recently retired or were planning to within the next year or so. That’s due to something market analysts call “sequence of returns” (SOR) risk. This is when there has been a sustained market decline (i.e., a poor sequence of returns) that severely reduces an…


By ashea | May 13, 2020

OVERVIEW Investing for income is generally the modus operandi of a retirement portfolio. That’s because the so-called “accumulation phase” ends and the “distribution phase” begins. In other words, retirees stop focusing on getting rich and become more concerned with paying their bills and living a comfortable lifestyle. Income investing is different from growth investing but should still practice a similar strategy of diversification. The goal is to develop two or more streams of passive income so you can retire from work and let your portfolio supplement other forms of reliable income, such as Social Security and a pension. By building a strategic income-oriented portfolio, retirees can draw a steady stream of income without having to liquidate a large portion of…

1st Quarter 2020

By ashea | April 17, 2020

A HISTORIC QUARTER The first quarter of 2020 started favorably. In early January, the news centered around politics, with the House sending articles of impeachment to the Senate and the Democratic presidential primary process gearing up. Markets seemed confident that President Donald Trump would be acquitted and responded by climbing to new highs. The economy was humming along, and we passed both the U.S.- Mexico-Canada Agreement (USMCA) and a Phase 1 trade agreement with China. As predicted, the Senate acquitted President Trump of all charges and markets set new highs, factoring in a Trump re-election largely resulting from a strong economy. However, concerns of a virus disrupting commerce in China began to emerge, with companies such as Apple warning that…

COVID-19 Update

By ashea | April 9, 2020

Be sure to check out this special interview with an expert from the Johns Hopkins University School of Medicine about what seniors need to know regarding the COVID-19 pandemic. Special guest Dr. Alicia Arbaje will share answers to your most pressing COVID-19 questions, like:     Why do the number of COVID-19 cases continue to rise? What most concerns doctors about this pandemic? What can baby boomers do to keep themselves safe?  What can you do NOW to help prepare for the worst?   CLICK HERE to listen to this interview, now!  Remember, if there is anything we can do for you or your retirement strategy, please give us a call.  As your trusted financial professionals, we’re here for you whenever you need us.  Be kind to one another and stay healthy! David Shucavage and Sam Shucavage Carolina Retirement Planners * Click here


By ashea | April 3, 2020

Overview A diversified investment portfolio is generally composed of stocks, bonds and cash instruments. The percentage of how much money to invest in each of these asset classes is referred to as an asset allocation strategy. Strategies are often defined to meet an investor’s goals and tolerance for risk, such as conservative, moderate or aggressive — with variations in between. An asset allocation strategy helps an investor design a portfolio built to meet his or her investing time horizon, goals and comfort with risk,as well as have funds available for unexpected expenses. Diversification Note that asset allocation is not the same thing as portfolio diversification; not exactly. You can choose to diversify your assets across a range of asset classes…


By ashea | March 6, 2020

Overview We tend to get caught up in the day-to-day issues related to jobs, family and home projects. We plan vacations, we plan weddings, we make plans for the weekend. If we spent more than a fraction of that time on financial planning and management, we’d probably all end up in a better place. This spring, in addition to (if not in lieu of) cleaning out closets andthe garage, sprucing up paint jobs and the lawn, consider tackling the chores necessary to clean up your financial picture. This project is likely to be composed of many smaller tasks, from consolidating accounts to throwing away (or shredding) old statements. After all, how many bank accounts does one person need? How many…