It’s All About the Plan

Some Last Minute Financial Tips

While shoppers attack the malls in hopes of saving a bundle on those must have items, some simple year-end financial moves might just pad your wallet in even bigger ways.  So, think like a shopper and make a mad dash for the Planning Aisle.

There's More to Charitable Giving Than Dollars and Cents

There is so much more to giving than simple dollars and cents."  That statement might feel a bit contrary in this season of mailboxes filled with donation requests, and In Box emails offering quick Click N'Give links.  The opportunities are heartfelt but seemingly endless. Many families do take the time to volunteer together in their communities.

Naked Retirement Part II: Practice Does Make Perfect

With apologies to Cubs fans, did you see the Nationals’ Ryan Zimmerman hit that 413 foot homerun to lead the Nationals to a World Series game one victory? It clearly wasn’t his first big league at bat. In fact, he was the Nationals first draft pick when the franchise began building a roster in 2005.

Naked Retirement Part I: Strip Away Dollars and Cents

uck-naked. That was the image burned into my retina when my partner first coined the phrase, naked retirement. Not the typical image one associates with retirement, but it was the image that stuck. Understand, though, this wasn’t an image of sandy beaches nor smoke-filled men’s clubs, this was the image from Hans Christian Anderson’s The Emperor’s New Clothes.

Hurry! These Black Friday Financial Savings Won't Last Long

While shoppers attack the malls in hopes of saving a bundle on those must have items, some simple year-end financial moves might just pad your wallet in even bigger ways.  So, think like a shopper and make a mad dash for the Investment Aisle.

Buyer Beware:  Look carefully before grabbing year-end bargains on mutual funds or ETFs for your taxable accounts. Funds, such as these, are required

What (or who) is the Biggest Risk to Your Retirement?

There is no risk free investing. Even stuffing cash in the mattress is subject to the risk of a house fire or a bad memory. The single biggest risk to investing? YOU! From 1992 through 2011, the average U.S. equity mutual fund provided total, average annual returns of 8.2%. Over that same period, the average investor’s average annual return — 3.5%.

Family Financial Planning is No Picnic. Or is it?

The average family is financially dysfunctional. One spouse handles all the financial matters and the grown children have no idea of what mom or dad has planned. Disagree? Then answer this: who can seamlessly step in to pay your bills and manage your portfolio? Is someone in the wings to manage things for your parents when (not if) they can’t manage things on their own?  If both answers

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.

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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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