Saving for Retirement: Advice from Retirement Planning Advisors

By Ginger Weber | September 06, 2018

If you are like many Americans who have not yet retired, you may be actively striving to get to a place in life where work becomes optional.  With so many people focused on eventual retirement, and a number of tools to help you get there, why does getting to retirement seem to be such a challenge? 

Premier’s team finds that there are a number of obligations and expenses that are competing with an investor’s commitment to save and invest.  Here are some of the common items we find that prevent investors from saving more, in no particular order:

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Keeping You Informed

By Ginger Weber | May 21, 2018

It is nice to see the recent improvements in the capital markets. Since the low point of March 9, 2009, the world’s capital markets moved significantly higher and the Efficient Index Strategy equity portfolios are now positive for 2009. We remain optimistic for the future and appreciate the trust and confidence you have had in us as we navigate through these challenging times.  

We appreciate your calm and thoughtful response to the media’s constant focus on the issues of the day. As always, if you have anything at all that you would like todiscuss with us, please give us a call. We are here for you. Read More

Long-Term Care

By Ginger Weber | May 02, 2017

As financial advisors, we have been asked many times about whether someone should purchase long-term care (LTC) insurance. This is not surprising, as people are living much longer and the incidence of chronic diseases increases with an aging population.

In addition, the cost of care has seen significant increases – much faster than the rate of inflation. However, LTC insurance coverage is optional and expensive; so how do you know if you should buy it?

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The Art of Letting Go

By Ginger Weber | November 16, 2016

The following article is written by Jim Parker, VP, of Dimensional Fund Advisors. Dimensional is the primary investment manager that Premier utilizes to build our client portfolios. Jim’s article is a good summary of why investors may be well advised to “let go” and resist the temptation to continually modify their portfolio based on market trends. We hope you enjoy.

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The Right to Full Disclosure

By Ginger Weber | November 04, 2016

The concept of full disclosure, as it relates to your relationship with your financial advisor, is probably not a hot topic at your dinner table. We think it should be.

The Issue

Whereas investors may expect that their own interests should be placed at the forefront of the advisor-client relationship; and that they be given all meaningful information relevant to their financial decision making process - most investment providers are under NO LEGAL OBLIGATION to meet these basic demands.

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Staying the Course

By Ginger Weber | September 10, 2016

Investing in the stock market requires patience, optimism and tolerance.  Although we don’t have any control over what the market does on a day-to-day basis, we do have control over our perspective and how we respond.  Making decisions about our investments is best done during calm times in the marketplace.

We have helped our clients weather a number of volatile periods over the past three decades and one thing is for certai: it’s not usually a good idea to make dramatic changes to your investment allocation during difficult economic periods that are typically short-term. 

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Social Security Benefits

By Ginger Weber | June 18, 2016

If you’ve ever spent time reading about the history of the US Social Security system, then you know that it is a vastly different system today as compared to when it first began in 1935.

It was initially intended to contribute towards financial security for older Americans. It was designed to help compensate for limited job opportunities available to older people. It was also originally intended to help bridge the gap created by the disappearance of the multigenerational family households. This occurred as the need for Americans to

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Why is the market doing so well when the news seems so bad?

By Ginger Weber | April 19, 2013

Has the market peaked out?  Are we due for another decline?

These are the types of questions our advisors are asked often.  Although market conditions can change dramatically from year to year, the answers to these questions, we feel, are reliably consistent.

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What makes the Premier client experience different from other advisors?

By Ginger Weber | February 23, 2013

We are often asked by potential clients what makes us different from other advisors. “There are many brokers, bank advisors and insurance agents to choose from. Is there any real difference between any of them and Premier?”

Our response to that question is: “We’re glad you asked. We feel there are many key differences that distinguish us from other firms.”

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Estate Planning

By Ginger Weber | October 10, 2012

Families who plan for the future often focus on areas such as retirement planning, funding for college, and disability and life insurance to cover life’s unexpected events.

While these are very important, completing a formal estate plan with a will or living trust is also an important step in preparing for your future. A formal estate plan addresses what you would like to have happen with your assets when you are gone, as well as who will be in charge of handling your estate. 

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