Here's the Latest

Check back often for news and updates from our team and throughout the industry.

Understanding Risk for Bond Investors

A primary reason investors own bonds is for the income received from their interest payments. So should you own bonds when interest rates are low? The answer is a definite… maybe.

That ambivalence is because another big reason for holding bonds is their values have historically remained relatively stable over time. In other words, they’ve been less risky than stocks (of course, their returns have been lower as well).

Find out if bonds may be right for your portfolio by downloading the full article.

Efficient Frontier

When you look at an investment’s historical price performance, note its volatility – how frequent and how extreme the ups and downs have been. This is significant because volatility is the most commonly used measurement of an investment’s risk. The greater the volatility, the riskier the investment is considered to be.

Download the full article to learn more.

Understanding the complexities of Medicare

While they’re working, many Americans become accustomed to getting health insurance through their employer. They make their initial selections and then update their choices once a year when it's time to renew and during life events like adding to the family or, perhaps ,starting a new job.

But virtually all U.S. residents face a milestone when they reach age 65 and qualify for Medicare, which provides a new and, possibly, more complex approach to health insurance. Keep in mind that even if you take early Social Security benefits at age 62, you must wait until age 65 for Medicare.

Learn more about the Medicare-related considerations we believe you should make by downloading our full article.

What is behavioral finance… and why should you care?

Investors may like to think they’re completely rational in their decision-making, but that’s highly unlikely. We don’t stop being human beings when it comes to investing, so psychology and emotions are apt to play roles – sometimes large ones – in the choices we make.

Behavioral finance studies investors’ real-life behavior and common biases. It considers the roles emotions and psychology play in making financial decisions and aims to identify factors that cause investors to sometimes act irrationally.

Download the full article to learn more.

It’s Time To Create, Or Update, Estate Plans

If you, your adult children, or other family members haven’t created an estate plan or have one but the documents may be outdated, today’s unprecedented times are a reminder of how vital having an up-to-date plan can be, particularly a health care directive that you may need if you’re temporarily incapacitated. Here are five of the most important documents for many estate plans:

  1. Will
  2. Durable power of attorney
  3. Health care power of attorney
  4. Living will
  5. Revocable living trust
To learn what each of these documents entails and why they matter to you, download our full article .

10 Reasons Why Beneficiary Designations Are Important

Beneficiary designations can provide a relatively easy way to transfer an account or insurance policy upon your death. However, if you’re not careful, missing or outdated beneficiary designations can easily cause your estate plan to go awry.

We often complete these designations without giving it much thought, but they’re actually important and deserve careful attention. Here’s why: Beneficiary designations take priority over what’s in other estate planning documents, such as a will or trust.

Click here to review our 10 tips about beneficiary designations.

Why Do You Need A Health Care Directive?

A heath care directive is a legal document that lets you express your health care preferences and, if you wish, designate authority to someone to make care decisions for you if you cannot make them yourself. Some may think this is needed only near the end of life, but that’s not its only use. There are other times when it can prove useful:

  • Any time you become severely ill or incapacitated – even if for just a short time period
  • If you are a young adult who is over 18 and heading to college
To learn more health care directives and their benefits, download the full article.

Talking Wealth: Retirement plans designed for employers and employees

April 5, 2021 | Jay Pocius, Managing Partner, recently sponsored a Crain's Chicago Business article regarding retirement planning strategies.

In the article, Jay answers the common question, "Which retirement plan is right for your business?" In answering this questions, he discusses Simplified Employee Pension (SEP) IRAs, Savings Incentive Match Plan for Employees (SIMPLE) IRAs, defined benefit pension plans, and 401(k) plans.

To read the full article and learn more about Jay's insights, click here.