Don’t Forget To Include Your Pets In Your Home Evacuation Plan

by | May 29, 2019 | Learning

Many homeowners will form evacuation plans for their homes and practice them with family members, but most have failed to include their pets.  An evacuation plan is a necessity for every home, especially if you live in an area where fires, and other disasters are a possibility. Take these steps to add your pets to your evacuation plan.

Assign pet evacuation responsibility to an adult. 
Everyone in the household should know what to do during an evacuation. That includes assigning one parent or adult to the pets. This allows the other parent and the children to focus on their part of the evacuation plan, so there’s no confusion during a high-stress moment when time is of the essence.

Keep evacuation maps and pet carriers readily accessible. 
If you need to evacuate, you should know exactly where every important item is located. If your pets require carriers, keep them in a place that you can access easily.  Don’t forget any essential medications which might not be easily replaced in an emergency situation.

Practice your plan. 
Include your pets in your home evacuation drills. It will help you see how they will respond and make changes to your evacuation plan if necessary. Getting your dog out of a window may not be as simple as you think!

Be prepared in case you get separated from your pets. 
No matter how much you drill your evacuation plan, it’s possible that a dog or cat will run off while you’re focusing on keeping your family safe. A microchip or a GPS-compatible tag can help you find your pets once it’s safe to return to the area. Make sure all pets wear collars and tags with up-to-date identification information. Your pet’s ID tag should contain his name, telephone number and any urgent medical needs

Get a Rescue Alert Sticker
This easy-to-use sticker will let people know that pets are inside your home. Make sure it is visible to rescue workers (we recommend placing it on or near your front door), and that it includes the types and number of pets in your home as well as the name and number of your veterinarian. If you must evacuate with your pets, and if time allows, write “EVACUATED” across the stickers. 

Letter from Reagan

by | Apr 25, 2019 | Noteworthy

It was this month, 35 years ago, that a thirteen-year-old boy named Andy sent the following letter to President Reagan:

Dear Mr. President,
My name is Andy.
I am a seventh-grade student in South Carolina.
Today my mother declared my bedroom a disaster area. I would like to request federal funds to hire a crew to clean up my room. I am prepared to provide the initial funds if you will provide matching funds for this project.

I know you will be fair when you consider my request. I will be awaiting your reply.

Less than a month later, young Andy’s patience was rewarded when Reagan actually wrote back. Here is what he said:

Dear Andy:

I’m sorry to be so late in answering your letter but, as you know, I’ve been in China and found your letter here upon my return.

Your application for disaster relief has been duly noted but I must point out one technical problem: the authority declaring the disaster is supposed to make the request. In this case, your mother.

May I make a suggestion? This Administration has sponsored a Private Sector Initiative Program, calling upon people to practice voluntarism in the solving of a number of local problems. Your situation appears to be a natural. I’m sure your mother was fully justified in proclaiming your room a disaster. Therefore, you are in an excellent position to launch another volunteer program to go along with the more than 3000 already underway in our nation. Congratulations.

Give my best regards to your mother.

Sincerely,
Ronald Reagan

While his letter was amusing, President Reagan made a point we could all do to remember. We all face challenges in life. Some are small, like a messy room. (Although, we all were once thirteen and most likely remember how insurmountable the task of cleaning our room seemed to be.) Some are large.

But in truth, most of the challenges we face are also opportunities. Opportunities to try, to volunteer, to organize, to lead, to change, to grow. And like Andy, we are in an excellent position to tackle these challenges. To launch our own initiatives.

To seize our opportunities.  Whenever we find ourselves in such a position, we remember President Reagan’s letter and say to ourselves, “Congratulations!”

Have a great month!

Source: “My mother declared my bedroom a disaster area,” Letters of Note, June 19, 2012. http://www.lettersofnote.com/2012/06/mymother-declared-my-bedroom-disaster.html

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How Will Rising Healthcare Costs Affect Your Retirement?

by | Apr 19, 2019 | Learning

How financial advisors provide value to those saving for retirement

Important information for people with retirement plans
Let's Talk!

We all know it is inevitable. It’s no secret healthcare costs will be going up. For years, medical expenses have been steadily increasing.  In 2007, medical expenses rose almost 12 percent. However, the rate of increase slowed to 6 percent during the past five years and that trend is expected to continue for the foreseeable future, according to a June 2018 report from PwC. While single-digit increases can be considered an improvement, ever-rising costs are a concern for those who have to foot the bill, today and in the future.1

Medical expenses are often the “elephant in the room” in a retirement plan. It’s the expense people prefer not to consider because, if they do, they’ll need to save significantly more money.

How much should you save for healthcare in retirement?

According to the Fidelity Retiree Health Care Cost Estimate, the average 65-year-old couple that retired in 2018 should have had about $280,000 set aside for medical expenses in retirement, excluding long-term care. The estimate assumes the couple does not have employer-provided retiree healthcare coverage, and does qualify for Medicare.2

Fidelity anticipates retirees’ healthcare savings may be spent like this:2, 3

  • 20 percent for prescription drugs (generic, branded, and specialty)
  • 35 percent for Medicare Part B (medical insurance) and Medicare Part D (prescription insurance) premiums
  • 45 percent for additional medical expenses such as deductibles, copayments, and supplemental insurance for doctor and hospital visits

Strategies for managing retirement healthcare costs
Whether you plan to retire in five, 10, or 20 years, there are a few things you can do to better prepare for healthcare in retirement:

1. Do the math. Fidelity’s estimate is an average. Your healthcare situation is unique, so it is a good idea to create a more personalized estimate, one that includes the cost of various premiums and insurance costs, as well as prescription medicines.4     

2. Get the skinny on discounts. No matter how old you are, your doctor and your pharmacist can provide valuable suggestions about how to reduce prescription drug costs. Don’t hesitate to ask about coupons or discounts that could lower your costs. Pharmaceutical companies may have coupons available through their websites. Also, investigate other options such as substituting a generic drug, using a mail-order prescription service, or filling a 90-day supply instead of a 30-day option. Even small savings can add up over time.5, 6     

3. Open a Health Savings Account (HSA). Your employer’s high-deductible health plan (HDHP) comes with a useful option – a health savings account (HSA). You can save for current and future medical expenses in an HSA, and they confer a triple tax advantage

  • HSAs are tax-deductible
  • Any interest or earnings grow tax-free
  • Distributions are tax-free when taken for qualifying medical costs

If you don’t spend the money in your HSA, you can roll it over to the next year. Also, the account is yours, even if you change employers. As a result, HSAs are a great way to save for healthcare costs in retirement.7

  1. Take Social Security at 70. Since 2011, on average, people in the United States retire at age 61, according to a Gallup Poll. That’s a year before they can start collecting Social Security. If retirees choose to begin receiving Social Security benefits at age 62, they will receive 70 percent of the benefit they would have received at ‘full’ retirement age. On the other hand, if they postpone taking benefits until age 70, they’ll receive a higher monthly payment. The amount of the payment will be determined by an individual’s age and year of birth, as well as the number of months benefits were delayed.8, 9, 10
  2. Make healthy choices. While it’s impossible to predict what the future will hold, forming healthy habits today could support a healthier life ahead. You know the drill: eat well, sleep well, exercise, socialize, and so on. Being more health conscious today could mean fewer doctor visits, hospital stays, health specialists, and prescriptions in the future.11
  • Save, save, save. The most obvious way to prepare for future healthcare costs is to save as much as you can today. If you can, maximize contributions to your employer-sponsored retirement plan, HSA, and Traditional and Roth IRA accounts. For many people, saving more is not a hardship. It’s a choice. The decisions you make today will affect how you live in the future.

Healthcare costs are likely to be a significant part of your retirement budget. If you haven’t already factored these costs into your retirement plan, you may want to consider it. The sooner you prepare, the better off you will be.

Please contact us if you want to discuss your options. We’re happy to help.

Sources:
1 https://www.pwc.com/us/en/health-industries/health-research-institute/assets/pdf/hri-behind-the-numbers-2019.pdf
2 https://www.fidelity.com/viewpoints/personal-finance/plan-for-rising-health-care-costs
3 https://medicare.com/coverage/how-much-of-all-my-health-care-costs-does-medicare-cover/
4 https://www.thebalance.com/how-to-plan-for-health-care-costs-in-retirement-2388478
5 https://www.medicare.gov/drug-coverage-part-d/costs-for-medicare-drug-coverage/costs-in-the-coverage-gap/6-ways-to-lower-drug-costs
6 https://finance.yahoo.com/news/14-ways-survive-rising-healthcare-100300296.html
7 https://money.usnews.com/money/retirement/aging/articles/2018-10-17/6-myths-about-hsas-for-retirement
8 https://news.gallup.com/poll/234302/snapshot-americans-project-average-retirement-age.aspx
9 https://www.ssa.gov/OACT/quickcalc/early_late.html
10 https://www.ssa.gov/planners/retire/delayret.html
11 https://money.usnews.com/money/retirement/medicare/articles/2018-03-21/9-ways-to-reduce-health-care-costs-in-retirement

Lessons from March Madness

by | Apr 11, 2019 | Noteworthy

This year is no exception. Every spring, millions of people tune their televisions to March Madness, the annual tournament to decide the best team in college basketball. If you’ve ever watched before, you know it’s a time of great excitement as underdogs rise, giants fall, and new legends are made.

While watching a few games, it struck me how many parallels there are between March Madness and finance. The winning teams, whether they’re favorites or longshots, often display many of the same qualities that lead to financial success.

To illustrate what I mean, here are a few lessons we can take from March Madness:
1. Have a financial game plan. No winning team ever shows up to a game unprepared. They spend days, weeks, even months practicing, watching game film, and studying their opponent. The same should be true of your finances. Researching your investments, planning your taxes ahead of time, understanding your own strengths and weaknesses, laying out goals and determining how to achieve them – these are the best ways to get ahead in the game. Whether it’s sports or finance, planning beats just winging it every time.

  1. Aim for financial balance. Research shows that it’s not the teams with the best offense or best defense that are likely to win the tournament.1 On the contrary, it’s the most balanced teams – meaning those that play well on both sides of the court – that usually take home the trophy.
    Balance is important in finance as well. Some people spend all their money and time on their investments, thinking if they can just pick the right stock, they’ll be set for life. Others focus solely on saving every penny they earn without ever investing a cent. Still others think financial success is all about securing the highest-paying job.

The truth is, you’re more likely to achieve your goals when all aspects of your finance are in balance. That means paying equal attention to your income, investments, spending, saving, taxes, insurance, and so on. 
It doesn’t matter how much you earn if you spend even more. And while it’s great to save as much as you can, you won’t get as far as you would if you invested wisely. Furthermore, even if you nail every single one of those aspects, you could lose more than you can afford if the unexpected happens and your insurance isn’t in order. See what I mean about balance?

  1. It’s all about the team. Basketball is a team sport, not an individual one. A college could have the single best player in the world, yet still come up short if they played against a better drilled, better prepared, more balanced team. No one player can achieve victory by his- or herself. For a team to win, everyone must contribute. Similarly, you could be the smartest, hardest-working person in the world and yet still fail to reach your goals if you try to do it all alone. These days, having a financial team is more important than ever. That’s because there’s so much to know, so much to do. Working with experienced, caring professionals who specialize in the various aspects of your finances – your investments, your taxes, your estate, etc. – can make all the difference.
  2. Don’t blindly assume success. In March Madness, every team is assigned a seed from one through sixteen. (In this case, the lower the number, the higher the seed.) In most cases, when lower-seeded teams play higher seeds, nearly everyone expects the higher seed to win.
    But that doesn’t always happen.
    March Madness is (in)famous for upsets, where an underdog beats a favorite. This is more likely to happen when the favorite comes into the game assuming they’ll win. As a result, they may take the game less seriously or play less hard. The result? They go home early.
    Similarly, we shouldn’t just assume we’ll be financially successful. Achieving our goals takes planning, time, patience, and hard work – qualities we’re less likely to show if we just assume success is guaranteed.
  3. Always have a winning attitude. At the same time, we should never be pessimists about financial success, either. Remember what I said earlier about lower seeds beating higher seeds? When an underdog goes into a game thinking defeat is inevitable, their lack of belief becomes a self-fulfilling prophecy. But when a longshot plays with unshakeable confidence, believing they can win, knowing they can win – then suddenly, the impossible becomes very possible. We see it every year.

So, as you work toward your own goals, remember to always bring a winning attitude to everything you do. Believe in yourself and your abilities. Believe in your dreams.

It’s the surest way of making them come true.

Market Commentary – April 8, 2019

by | Apr 8, 2019 | Weekly Stock Market Commentary

The first quarter of 2019 brought a welcome reversal.
Last year, Barron’s published a group of market strategists’ expectations for 2019 performance. The article came out in mid-December, before the steep year-end stock market decline. At that time, all of the strategists agreed: The S&P 500 Index would move higher during 2019.

Their expectations appeared to be wildly optimistic when the Index lost 3.5 percent during the last two weeks of 2018, and finished the year down 6.2 percent.

Overall, at the end of 2018, strategists expected the Index to reach 2,975 by year-end 2019. Despite starting 2019 at a lower level than many anticipated, the Index finished last week at 2,892, a gain of about 15.4 percent year-to-date, and 83 points from strategists’ full-year performance expectations.

While the U.S. stock market has delivered attractive returns year-to-date, suggesting investors anticipate strong economic growth ahead, the bond market has been telling a different story.

Late in the first quarter, the yield curve inverted, which means the yield on short-term Treasury bonds was higher than the yield on long-term Treasury bonds. Inverted yield curves are unusual because investors normally want to earn a higher yield when they lend their savings for longer periods of time.

In some cases, inverted yield curves have been a sign that recession is ahead. That may not be the case this time, reported Eva Szalay of Financial Times. It seems the extreme measures taken by central banks following the financial crisis may have undermined the yield curve’s predictive value: “…according to a new piece of research from Pictet Wealth Management, the curve has been sending out misleading signals for a while. The distortions created by extraordinary post-crisis monetary policies have led to the breakdown in the relationship between interest rate expectations and economic growth, the firm argues…Since central banks have injected vast amounts of liquidity into their respective economies to compensate for lackluster growth, long-term interest rates have become artificially compressed…So the old rule no longer applies.”

The yield curve has since righted itself.

While recession may not be imminent, there are signs economies around the world are growing more slowly. Capital Economics reported, “World GDP [gross domestic product] growth seems to have slowed sharply in Q1, but the latest business surveys suggest that growth has bottomed out in some parts of the world at least…there are very few signs of improvement in the euro-zone and the United States has clearly been suffering from previous interest rate hikes and the fading fiscal boost. Those hoping for an imminent rebound in global growth are therefore likely to be disappointed.”

Slowing growth isn’t a sign recession is imminent in the United States. Last week’s jobs report suggests the American economy is still healthy, reported Tim Mullaney of MarketWatch, even if it is puttering along at a slower pace than many would like. 

exercise is important – really important – but don’t get too much. Researchers tested the relationship between mental health and exercise by collecting self-reported data from 1.2 million Americans. They discovered exercise – including everything from childcare and housework to weight lifting and running – can improve mental health.

Americans who were active tended to be happier and experienced poor mental health about 35 days a year. In contrast, those who remained inactive felt bad emotionally about 53 days a year, reported Entrepreneur.com. Exercising in a social setting – team sports, classes, and group cycling, for instance – appeared to deliver the biggest mental health benefits.

The study’s findings indicated it might be possible to exercise too much. “Exercising for 30-60 minutes was associated with the biggest reduction in poor mental health days…Small reductions were still seen for people who exercised more than 90 minutes a day, but exercising for more than three hours a day was associated with worse mental health than not exercising at all. The authors note that people doing extreme amounts of exercise might have obsessive characteristics which could place them at greater risk of poor mental health.”

If you’re not exercising regularly, you may want to find ways to include it in your day.

Weekly Focus – Think About It
“I have always tried to put my kids first, and then…put myself a really close second, as opposed to fifth or seventh. One thing that I’ve learned from male role models is that they don’t hesitate to invest in themselves, with the view that, if I’m healthy and happy, I’m going to be a better support to my spouse and children. And I’ve found that to be the case: Once my kids were settled, the next thing I did was take care of my own health and sanity. And made sure that I was exercising and felt good about myself. I’d bring that energy to everything else that I did, the career, relationship, on and on and on.”
–Michelle Obama, Former First Lady of the United States

Best regards,
John F. Reutemann, Jr., CLU, CFP®

P.S.  Please feel free to forward this commentary to family, friends, or colleagues. If you would like us to add them to the list, please reply to this email with their email address and we will ask for their permission to be added.

Investment advice offered through Research Financial Strategies, a registered investment advisor.

S&P 500, Dow Jones Global ex-US, Gold, Bloomberg Commodity Index returns exclude reinvested dividends (gold does not pay a dividend) and the three-, five-, and 10-year returns are annualized; the DJ Equity All REIT Total Return Index does include reinvested dividends and the three-, five-, and 10-year returns are annualized; and the 10-year Treasury Note is simply the yield at the close of the day on each of the historical time periods.
Sources: Yahoo! Finance, Barron’s, djindexes.com, London Bullion Market Association.
Past performance is no guarantee of future results. Indices are unmanaged and cannot be invested into directly. N/A means not applicable.

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* Government bonds and Treasury Bills are guaranteed by the U.S. government as to the timely payment of principal and interest and, if held to maturity, offer a fixed rate of return and fixed principal value.  However, the value of fund shares is not guaranteed and will fluctuate.
* Corporate bonds are considered higher risk than government bonds but normally offer a higher yield and are subject to market, interest rate and credit risk as well as additional risks based on the quality of issuer coupon rate, price, yield, maturity, and redemption features.
* The Standard & Poor’s 500 (S&P 500) is an unmanaged group of securities considered to be representative of the stock market in general. You cannot invest directly in this index.
* All indexes referenced are unmanaged. Unmanaged index returns do not reflect fees, expenses, or sales charges. Index performance is not indicative of the performance of any investment.
* The Dow Jones Global ex-U.S. Index covers approximately 95% of the market capitalization of the 45 developed and emerging countries included in the Index.
* The 10-year Treasury Note represents debt owed by the United States Treasury to the public. Since the U.S. Government is seen as a risk-free borrower, investors use the 10-year Treasury Note as a benchmark for the long-term bond market.
* Gold represents the afternoon gold price as reported by the London Bullion Market Association. The gold price is set twice daily by the London Gold Fixing Company at 10:30 and 15:00 and is expressed in U.S. dollars per fine troy ounce.
* The Bloomberg Commodity Index is designed to be a highly liquid and diversified benchmark for the commodity futures market. The Index is composed of futures contracts on 19 physical commodities and was launched on July 14, 1998.
* The DJ Equity All REIT Total Return Index measures the total return performance of the equity subcategory of the Real Estate Investment Trust (REIT) industry as calculated by Dow Jones.
* The Dow Jones Industrial Average (DJIA), commonly known as “The Dow,” is an index representing 30 stock of companies maintained and reviewed by the editors of The Wall Street Journal.
* The NASDAQ Composite is an unmanaged index of securities traded on the NASDAQ system.
* International investing involves special risks such as currency fluctuation and political instability and may not be suitable for all investors. These risks are often heightened for investments in emerging markets.
* Yahoo! Finance is the source for any reference to the performance of an index between two specific periods.
* Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance.
* Economic forecasts set forth may not develop as predicted and there can be no guarantee that strategies promoted will be successful.
* Past performance does not guarantee future results. Investing involves risk, including loss of principal.
* You cannot invest directly in an index.
* Stock investing involves risk including loss of principal.
* The foregoing information has been obtained from sources considered to be reliable, but we do not guarantee it is accurate or complete.
* There is no guarantee a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.
* Asset allocation does not ensure a profit or protect against a loss.
* Consult your financial professional before making any investment decision.
* To unsubscribe from the Weekly Market Commentary please reply to this e-mail with “Unsubscribe” in the subject.

 

Sources:
https://www.barrons.com/articles/u-s-stocks-could-rally-more-than-10-in-2019-51544837183 (or go to https://s3-us-west-2.amazonaws.com/peakcontent/+Peak+Commentary/04-08-19_Barrons-2019_Outlook-US_Stocks_Could_Rally_About_10_Percent-Footnote_1.pdf)
https://finance.yahoo.com/quote/^GSPC?p=^GSPC (Historical data)
https://www.macrotrends.net/2488/sp500-10-year-daily-chart
https://www.cnbc.com/2019/03/22/the-rally-got-mugged-by-economic-realities-and-a-global-slowdown.html
https://www.investopedia.com/terms/i/invertedyieldcurve.asp
https://www.ft.com/content/15d4048e-552f-11e9-91f9-b6515a54c5b1 (or go to https://s3-us-west-2.amazonaws.com/peakcontent/+Peak+Commentary/04-08-19_FinancialTimes-Why_the_Yield_Curve_is_Not_the_Economic_Guide_It_Once_Was-Footnote_6.pdf)
https://www.capitaleconomics.com/publications/global-economics/global-economics-chart-book/divergent-surveys-offer-limited-hope/ (or go to https://s3-us-west-2.amazonaws.com/peakcontent/+Peak+Commentary/04-08-19_CapitalEconomics-Global_Economics_Chart_Book-Footnote_7.pdf)
https://www.marketwatch.com/story/the-jobs-report-nails-it-its-a-slowdown-not-a-recession-2019-04-05
https://www.thelancet.com/journals/lanpsy/article/PIIS2215-0366(18)30227-X/fulltext
https://www.sciencedaily.com/releases/2018/08/180808193656.htm
https://www.entrepreneur.com/article/331696
https://www.sciencedirect.com/science/article/pii/S221503661830227X
https://www.glamour.com/story/michelle-obama

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