5 Steps for Understanding Your Retirement Spending Needs By: Stacey Nickens Many of my clients list their primary savings goal as saving for retirement. However, this goal can feel general and amorphous. It can be helpful to better understand your specific spending needs in retirement and save for those needs. Moreover, planning for retirement goes [...]
3 Ways to Donate from an Investment Account By: Stacey Nickens There's nothing quite like waking up on Christmas morning, presents stacked high under your tree. However, the giving season is never quite complete without giving back to the broader community. This year, consider three different strategies for giving from your investment accounts. These [...]
Positions I'm Watching: Industrial REITs By: Stacey Nickens Last week, Pfizer announced that their vaccine was 90% effective when tested on a small group of individuals. This news pushed the market away from growth equities towards value stocks. The move came as investors began to have hope that the pandemic's hardest-hit industries, such as airlines [...]
5 Strategies for Managing Your Employer-Sponsored Retirement Plan By: Stacey Nickens Pension plans have traditionally funded many American's retirements. However, pension plans are becoming increasingly uncommon. In their absence, more retirees are relying on 401(k)s, 403(b)s, or 457 plans. However, I often find that individuals do not take an active role in managing or reviewing [...]
3 Investment Strategies for the 2020 Presidential Election By: Stacey Nickens This past weekend, I curled up with a warm drink and enjoyed completing an autumn-themed puzzle. Of course, when I got to the end, I was missing just one piece. That's just my luck! I was frustrated at first; however, I realized I was [...]
Positions I'm Watching: Petmed Express (PETS) By: Stacey Nickens October is National Adopt a Shelter Dog Month. In honor of that, ELM3 decided to sponsor a local shelter pup, Roxbury. Along those lines, you may also consider reviewing positions in the company, Petmed Express (PETS). PETS sells pet medications and supplies to consumers and offers [...]
Positions I'm Watching: Summit Materials (SUM) By: Stacey Nickens We are heading into third quarter earnings season, and analysts expect a steep decline in many company's earnings. FactSet predicts the S&P 500 will report a 20.5% decline in earnings; however, this is a smaller decline than was initially predicted. The earnings improvement is due to [...]
Financial Advisor Checklist By: Stacey Nickens In the Fall, nature sheds its dead weight in order to prepare for the Spring growing season. Similarly, Fall and Winter are fantastic times to clean up your finances in order to better prepare for your future. Working with a Financial Advisor can significantly help you in this planning [...]
Many of you may be familiar with the 4% Withdrawal Rule. According to this rule, you should try to withdraw no more than 4% of your retirement portfolio’s value each year. This withdrawal rate will theoretically allow the rest of your retirement savings to grow during the rest of the year. However, many of [...]
The Bucket Approach to Retirement Savings By: Stacey Nickens When my children were young, we used to go apple picking every fall. Sometimes we would even drive all the way to rural Illinois to enjoy some fresh apples, homemade apple butter, and homemade apple pie. Of course, there are so many types of apples. It [...]
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