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Which Retirement Plan Suits You?

Here’s an overview of the retirement plan landscape. provided by Ron Richards All retirement plans are not the same. I​n fact, there is such a wide variety of retirement plans that it is worth it to read up on your choices. Here’s a brief look at the different plans and what they have to offer. […]

Weekly Economic Update – October 26th, 2015

EXISTING HOME SALES ACCELERATE The National Association of Realtors measured a 4.7% gain in residential resales for September, and the annualized sales pace of 5.55 million units was the second best seen since February 2007. Over the past 12 months, existing home sales are up 8.8% with the average sale price up 6.1% (September’s median sale price was […]

The Fine Art of Flexible Estate Planning

Specialized trusts & private loans can help address some “what ifs.” Provided by Ron R. Richards Estate planning professionals often contend with ambiguities. A plan may need to be modified in the future when some development in family life occurs – and there are some estate planning tools that may help to provide that kind […]

Weekly Economic Update – October 19th 2015

A SURPRISE: HO– USEHOLD OPTIMISM RISES Even after a bad month for stocks and numerous negative headlines, the University of Michigan’s preliminary October consumer sentiment index showed notable improvement. It came in at 92.1, up 4.9 points from its final September reading. Analysts surveyed by MarketWatch expected an initial October reading of 88.5.  read more

An Estate Planning Checklist

What to check (and double-check) before you leave this world. Presented by Ron R. Richards Create a will if you do not yet have one. A valid will may save your heirs from some expensive headaches linked to probate and ambiguity. A solid will drafted with the guidance of an estate planning attorney will likely […]

Weekly Economic Update – October 12th

SEPTEMBER FED MINUTES SHOW CAUTION Minutes from last month’s Federal Open Market Committee meeting provided a bit more insight into the Federal Reserve’s decision not to tighten monetary policy in September. Fed officials opted to “wait for additional information” before making a move, noting that “recent global economic and financial developments may have increased the […]

Should You Apply For Social Security Now…or Later?

When should you apply for benefits? Consider a few factors first. Provided by Ron R. Richards Now or later? When it comes to the question of Social Security income, the choice looms large. Should you apply now to get earlier payments? Or wait for a few years to get larger checks? Consider what you know […]

Weekly Economic Update – October 5th, 2015

142,000 NEW JOBS CREATED IN SEPTEMBER Is a global slowdown impacting the U.S. economy? The latest Labor Department jobs report seemed to say yes. Hiring last month fell far short of the 200,000 total projected by economists in a MarketWatch survey. Moreover, job gains across July and August were revised down by 59,000. There was […]

Monthly Economic Report – September 2015

THE MONTH IN BRIEF The Federal Reserve left interest rates alone in September, but that did little to calm investors. Growth worries took the market south again – the S&P 500 lost 2.64% for the month as more disappointing economic news filtered out of China. Perceptions of reduced demand for crude oil and other raw […]

How Do You Know When You Have Enough to Retire?

There is no simple answer, but consider some factors. Provided by Ron R. Richards You save for retirement with the expectation that at some point, you will have enough savings to walk confidently away from the office and into the next phase of life. So how do you know if you have reached that point? […]