Should I take Social Security at age 62?

When to start claiming Social Security benefits is one of the most important decisions facing retirees. It is one of those rare decisions that will literally impact the rest of your financial life, as well as the life of your spouse. So, taking the time to run the numbers and understand the costs, benefits and risks of your decision can have huge payoffs.

Healthy Living: Financial Risks or Financial Rewards?

Age 65: that was an American’s life expectancy when Social Security was in its infancy. Today, a 65 year-old female has a 50% chance of living to age 85. More astounding is the fact that a couple, in their 60’s, creates a 25% likelihood that one spouse will live to age 97. So, what’s your plan for generating 40 years of income after you retire? 

How Much of My IRA Should I Have in Stocks?

In years gone by, an individual simply subtracted his age from 100 to find the percentage of stocks to hold in his portfolio. It was an answer easily digested by someone in, or near retirement, and an answer that worked fairly well. But a lot has changed and easy answers aren’t always the right answer.

Retirement Income Rules: Easy Isn't Always Effective

Much has been written about the “4% Rule” for retirement withdrawals. Its a simple rule that says withdrawal 4% of an account during year one of retirement, increase the distribution annually by the rate of inflation, and
the portfolio should last 30 years.  I appreciate the rule’s simplicity, but it has no basis in the unique, dynamic economic realities faced in

What to Ask Before You Invest

Q: My current broker is retiring, how do I make sure the transition to his replacement goes smoothly?                           

A: Interview this new broker "candidate" as if you are hiring a new broker. Ask him specific questions, such as "How long have you been advising clients, like me?", "What process do you use for selecting my investments?" and "How will I pay you for handling my accounts?"  Don't feel as if these questions are out of place, and make sure his responses are specific to your situation. After all, this is your money and your financial future.

A Funny Thing Happened on the Way to Higher Rates (June 2014)

It’s interesting how the markets can sometimes humble the best analysts. Take what’s happening in the bond market. Last year, pundits pronounced that bond yields would rise in 2014. But, since the beginning of the year, yields have drifted lower, falling over a half a percentage point.

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Investing with Impact: Searching for Portfolio Values

As a professional advisor, my clients look for help in their financial lives; addressing goals and managing money. As a professional parent, my clients (ok, my kids) seek different guidance – help with family values instead of portfolio values.

What is a Second Opinion Portfolio Report?

What if advice had no hidden agenda and recommendations had only your best interests in mind?  At OSBORN Wealth Management we’ve taken the if out of that question by creating our Second Opinion Portfolio Report.

Wile E. Coyote’s Acme Budget & Debt Ceiling Kit

Who would have guessed that the Looney Tunes cartoons of my childhood would be the reality of my financial advisory adulthood? I can’t help imagining all the Wile E. Coyotes of Washington DC chasing the illusive fiscal Road Runner. Some will reach for the speedy bird and end up grabbing the third rail of health care (ZAP, sizzle).

Is it Time to Sell Your Dividend Stocks?

The first four-plus months of 2013 have been kind to most investors, and especially kind to investors focused on large-cap dividend growth stocks. So, is it time to take those gains and go home? Maybe.

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SYNERGOS Financial Services d/b/a OSBORN Wealth Management is a Registered Investment Advisor currently registered in the states of Indiana and Michigan. The firm provides fee-only portfolio management and advisory services, and is not associated with any banks or broker-dealers. For more information, please view our current ADV filing.

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