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Investment Center Advisor Group - Sandra K. King, CRC®

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Volatility Continues

2022 has been a challenging year for investors so far. The S&P 500 Index just had one of its worst Aprils in decades, and May is off to a rocky start. Bond investors have not fared much better as rising interest rates have pushed down bond prices. LPL Research explains why time in the market, not timing the market, may be more beneficial to long-term investors.
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April Showers Bring May Flowers

As we move into spring and leave behind the last signs of a long winter, many worries from a chilly start to the year for markets, unfortunately, are still with us. The S&P 500 Index had its worst April in more than 40 years, leaving the index down over 13% for the year. Previously high-flying stocks have come back to earth, with many of them cut in half or more. And bonds, which have historically provided support during times of stock market volatility, have done little to protect portfolios.
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An Attractive Entry Point

It has been a turbulent 2022 so far for investors. The S&P 500 Index is on track for its worst April in more than 40 years, the Nasdaq entered a bear market on April 26 with its more than 20% decline, and bonds, which typically provide ballast for diversified portfolios during periods of stock market volatility, have not protected.
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A Ways to Go

According to the guidance of revered investor Sir John Templeton, it appears to us that this market may have a bit more left in the tank. The market returns we witnessed in March seem to bear this out, as stocks surged during the month despite the backdrop of war in Ukraine, inflationary pressures, and surging interest rates. However, over the intermediate term, the path forward may only be partially defined by Federal Reserve policies, global diplomatic efforts, and rates.
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Social Security and You: What Does the Future Hold?

Social Security benefits currently represent approximately 33% of the aggregate total income of Americans aged 65 and older, according to the Social Security Administration. For future generations of retirees, Social Security may represent a much smaller percentage of retirement income.
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Should You Take an Early Retirement?

The story is a common one these days. You have been furloughed or laid off, just a few years before you plan to retire. Or, your work-from-home arrangement is ending, and you're not keen on resuming the commute or going back to a crowded workspace. So why not retire now, since fate has presented the opportunity? Many 50- and 60-somethings are asking themselves this very question.
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Your Estate Plan: Time for a Checkup

COVID 19 has brought tragedy to many families and businesses and impacted personal finances. It has also rendered many an estate plan inaccurate and unrepresentative of current circumstances. If you, your family or your beneficiaries have been affected by the virus, you may need to review and make changes to your plan.
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Think Twice Before Tapping into Your Retirement Savings

New legislation -- the CARES Act -- permits qualified individuals to take early distributions from their retirement assets, such as their 401(k) or individual retirement account (IRA) -- penalty free. The rules, which sunset after 2020, are designed to help the many cash-strapped Americans who have suffered financially as a result of the coronavirus epidemic. But tapping into your retirement savings has its costs, and there may be better ways to shore up your short-term cash flow.
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Deciding When to Start Taking a Pension

Most businesses today do not offer a pension plan. But pensions are still a common benefit for teachers, federal employees, and others who work in the public sector. Many grandfathered private-sector plans also still exist.
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Should You Purchase Long-Term Care Insurance

According to the U.S. Department of Health and Human Services, someone turning age 65 today has almost a 70% chance of needing some type of long-term care services and supports in their remaining years. Whether you or your spouse will require long-term care is difficult to predict. But it is wise to consider long-term care insurance and whether it may be a good idea for you.
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How Much Social Security Can You Expect?

One of the first steps in planning for retirement is to get an accurate read on just how much income you can expect to receive from Social Security. The exact amount of your Social Security benefit will depend upon your earnings history and retirement timing. Although Social Security provides only about a third of a typical retiree's income, it often serves as the foundation for calculating how much other income you'll need and how much you'll need to save.
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Recognizing & Avoiding Online Social Security Scams

Identity theft affects millions of Americans each year, and Social Security numbers are the skeleton key. And what better way to get someone's Social Security number than by pretending to be from Social Security.
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