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The Blog

RAA

Our expertise in the industry allows us to assist you with the important decisions you will make before and after retirement.

Recent Posts

Facing the Possibility of Incapacity

Posted by RAA on Aug 7, 2016 4:00:00 PM


Even with today’s medical miracles, it’s a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. A serious illness or accident can happen suddenly at any age, such as a fall, head injury, or automobile accident.

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Topics: Estate Planning

What’s Next with the Market?

Posted by RAA on Aug 7, 2016 10:00:00 AM


Now that the Dow and S&P 500 have set record highs without corresponding records in corporate earnings or GDP growth, where do we go from here? That is a great question. Let’s dig a little deeper to see what is going on.

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Topics: Investment Updates

BREXIT - What Does It Mean?

Posted by RAA on Jul 6, 2016 5:30:00 PM


BREXIT, or British Exit, happened on June 23, 2016, despite the almost universal feeling in the UK that BREMAIN, or British Remain, would prevail. The chart below from the Bank Credit Analyst shows that since January, on average, just 30% thought that BREXIT would succeed. Right before the vote, only 25% thought BREXIT would succeed. So much for the “smart” in “the smart money people.”

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Topics: Financial Planning

Social Security Survivor's Benefits

Posted by RAA on Jul 6, 2016 5:00:00 PM


When you die, certain members of your family may be eligible to receive survivor’s benefits (based on your earnings record) if you worked, paid Social Security taxes, and earned enough work credits. The number of credits you need depends on your age when you die. The younger you are when you die, the fewer credits you’ll need for survivor’s benefits.

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Topics: Financial Planning

3 Things to Know About Your New Chip Credit Cards

Posted by RAA on Jun 5, 2016 4:00:00 PM


Banks and credit companies have been sending consumers new cards, which look like their old cards but are fitted with a small metallic high-tech chip known as EMV, which stands for Europay, MasterCard, Visa - the three companies that created the standard.

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Topics: Financial Planning

Up, Down or Sideways?

Posted by RAA on Jun 5, 2016 11:00:00 AM


That seems to be the question. Since February 24, 2015, the S&P 500 has basically gone sideways with two short-lived downdrafts. The first one was from August 17th to August 25th and the second one was from December 29th to February 11th.

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Topics: Investment Updates

Selecting an Executor

Posted by RAA on May 6, 2016 3:30:00 PM


An executor is a personal representative who acts for you after your death. You nominate or designate an executor in your will to settle your estate. The person chosen will act in your place to make decisions you would have made if you were still alive.

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Topics: Estate Planning

Equities and Headwinds

Posted by RAA on May 6, 2016 9:25:00 AM


The equity rally, now at 2065 on the S&P as of April 29th, is meeting some resistance just above this level. This does not mean that the S&P 500 can’t go above its all-time high of 2133, but it does mean that it will require significant buying to power it through this all-time high.

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Topics: Investment Updates

More Sideways Movement or a Breakout?

Posted by RAA on Apr 6, 2016 10:30:00 AM


One of the many decisions that our Investment Policy Committee must make is not just which fund managers to hire, but how much stock and bond market exposure we should have for the portfolios.

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Topics: Investment Updates

Surviving an Audit

Posted by RAA on Apr 6, 2016 10:00:00 AM


An IRS audit is an impartial review of your tax return to determine its accuracy - it’s not an accusation of wrongdoing. However, you must demonstrate to the IRS that you reported all of your income and were entitled to any credits, deductions, and exemptions in question.

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Topics: Financial Planning