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Home is Wherever You Make It – Aging in Place

“There’s no place like home.”1

Conjuring an image of ‘home’ was a lot easier for Dorothy than it is for people who are on the cusp of retirement. After all, isn’t retirement supposed to be a new start? Aren’t retirees supposed to wave goodbye to friends and family as they head for new adventures in warmer climates? Shouldn’t the latter decades of life be spent traveling in golf carts down palm-lined streets and tipping umbrella-studded cocktails?

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Lynn Phillips-Gaines Ranked Among Forbes Best-In-State Wealth Advisors

Congratulations to our very own Lynn Phillips-Gaines, CERTIFIED FINANCIAL PLANNER™, who was recently named on Forbes 2018 Best-In-State Wealth Advisors List. The list spotlights top-performing advisors across the United States who were nominated by their firms- and then researched, interviewed, and ranked in their respective states. Lynn is honored to be recognized in this group of standout advisors.

In 2017, she was also ranked among Forbes Top 200 Women Wealth Advisors.*

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Ideas Worth Thinking About When Markets are Moving

Here’s a number most people would like to see on an annual statement: 21.6 percent. That was the annual return for the Standard & Poor (S&P) 500 Index during 2017. In general, U.S. stock indices did quite well last year – and the year before, too. For instance, the S&P 500 Index was up 11.8 percent in 2016.1

While no one can invest directly in an index, recent returns make it easy to understand why U.S. stock markets have been popular with investors. Morningstar reported record amounts of money were invested in various types of U.S. stock investments during 2017.2

Whenever large numbers of investors are doing the same thing, a prudent course of action is to step back, take a breath, and evaluate the situation. Here are two questions that deserve some thought:

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Options for Former Employer’s Retirement Plan

Here’s a riddle for you: Some people are reluctant to start me, unless I’m automatic. I’m frequently exhausted when I don’t roll over. I’m sometimes left behind. Retirees devour me. What am I?

Answer: A retirement savings plan.

New jobs often come with a lot of excitement and steep learning curves. Consider this example scenario:

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Will Interest Rates Move Higher?

The last bear market in bonds began in the middle of the last century and lasted for about 31 years. Some investors who bought bonds in 1950 locked in relatively low rates of return for a very long time. On January 1, 1950, 10-year U.S. Treasury bonds yielded 2.3 percent.1 As interest rates moved higher, the market value of those bonds diminished.

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