Retirement can feel abstract when it’s decades away, and overwhelming when it’s suddenly around the corner. What matters most is knowing which moves to make right now — wherever you are. The best time to...
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On December 20, 2019, Congress passed legislation making significant changes to the rules that apply to many of our favorite retirement plans. Nicknamed “the SECURE Act,” this new federal law will touch many of our...
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My father, Frank Sherwood, passed away recently, missing his 99th birthday by a month. He was a distinguished scholar and professor of Public Administration, but he started his work-life as a journalist and newspaper owner....
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For Americans contemplating retirement, the future cost of health care continues to be a significant uncertainty. While healthcare inflation has decreased since the early 2000s, medical cost increases still outpace general inflation. Experts believe that...
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I just celebrated a milestone birthday. I can no longer check the 50-59 box on surveys and forms. That’s right the big 6-0. Honestly, I had some trouble embracing this birthday. Keith Richards said, “No...
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The distinct perspectives of different generations add value, both at work and play. HTG Investment Advisors benefits from the range of more than four decades between our youngest and oldest employees. Jeanne and I also...
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Our society values action. We enjoy “action movies”, we use “action verbs” on our resumes, and we praise active people. When we hear news, we think about what action to take. If we hear that...
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Much of the time we spend with our clients involves planning for their futures. Things like ensuring adequate savings and investing to meet future goals are critically important focus areas, especially for pre-retirees. For some...
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We are often asked why we use bond mutual funds rather than individual bonds in our clients’ portfolios. The question is typically posed as “Why would I own a bond fund when I can buy...
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Diminished capacity of a loved one is a multi-faceted issue. There are practical, emotional, safety and certainly financial impacts. Changes are often subtle but may still be evident to family or even non-family members. Clues...
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