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Jun
30
The Shapiro Financial Planning Group (SFPG) is a diversified, full-service financial planning firm. They have over 50 financial experts that they call upon to meet their client’s financial needs. They provide one-on-one financial guidance to individuals and small to medium size, privately owned businesses. The Managing Director, Stuart R. Shapiro, CPA/PFS, is a CPA with over […]
Apr
7
Annuities are insurance policies that provide you with regular payments immediately or at a certain time in the future. You may purchase an annuity to contribute to the growth or protection of your retirement savings or to provide you with a guaranteed income. There are many different types of annuities. Each type has unique characteristics […]
Feb
23
The recent downturn in the markets is a cause for concern for retirees or those about to retire. Investors who are not near retirement have time for their portfolio to recover. Below are links to three articles that address how investors can reduce risk. A lasting stock market downturn can be a big problem early […]
Nov
18
For business owners, we are offering a complimentary review of your 401K and employee benefit plans, including medical insurance and other related benefits. Let our team of retirement planning and employee benefit experts: Review your plans. Review related fees and costs. Make actionable recommendations where appropriate. In addition, we will be glad to review any […]
Sep
9
For business owners, we are offering a complimentary review of your 401K and any other employee benefit plans. Let our team of retirement planning and employee benefit experts: Review your plan. Review related fees and costs. Make actionable recommendations where appropriate. In addition, we will be glad to review any financial planning area where you […]
Jul
23
Working after retirement age can help preserve assets, ramp up contributions and delay Social Security for maximum benefits. An additional reward for staying engaged, is it helps slow aging. Working after retirement allows you to:• Hold off withdrawing money from your retirement portfolios• Delay Social Security to maximize your benefits• Add to your retirement portfolio with Roth IRA contributions• Have better overall health and brain function because you’re staying […]
Jun
7
You Can’t Time the Market As much as we like speculating on the market movements, experienced investors will tell you that, “You Can’t Time the Market.” Market fluctuations, risk and loss of principal are inherent when you invest. We recommend you consider a dollar-cost averaging strategy – investing a fixed amount on a regular basis. […]
Apr
29
This month we are focusing on two topics of financial interest: Life insurance and Estate Planning. Converting term life insurance to permanent life insurance. We recommend that you annually review your life insurance policies. Should you want to take advantage, in the future, of converting a term policy to a permanent life insurance policy, timing […]
Feb
4
Most people keep putting off financial planning for retirement. When we are young, we think we will live forever and there is plenty of time to save and invest. As we get older and face retirement, we all wish we had planned more and saved more. Take the time now. You will be glad you […]
Dec
30
Life changes to consider when you have a life insurance review: Changes in your financial responsibilities New expenditures for educational expenses, family health care costs, or caring for an elderly parent or special needs child, might mean increasing your life insurance coverage. An unexpected disability If you are unable to work due to an injury […]