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Social Security Reset May Go Away
(General/Articles)
... can increase benefits approximately 6% for every year between 62 and 66, and 8% per year between age 66 and 70. In a market where returns have been negative and cash is paying next to nothing, this is ...
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There Ain't No Cure, But Is There An Upside To The Summertime Blues?
(General/Articles)
Those real estate soothsayers were correct. There has been a rather precipitous fall in sales activity since the expiration of the deadline for the federal tax credit on April 30. The Twin Cities market ...
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Increase Your Social Security Income
(General/Articles)
The recent volatility in the market has caused a few clients to ask if there is anything we can do to make sure their income is not threatened. They probably are thinking about their investments, but ...
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Dog Bites
(General/Articles)
... insurance markets and can shop your insurance for you to provide you with a combination of the best price and coverage to meet your insurance needs throughout the U.S. Call Michelle for more information ...
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Estate Tax Trouble in 2010
(General/Articles)
... to its fair market value on the date of the decedent’s death. Subsequently, with the step-up rule no longer available heirs now inherit embedded capital gains and face future tax liability based on the ...
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Good Financial Plans Need Slush Funds
(General/Articles)
... to enjoy life in the present without worrying about how that spending affected her retirement. I have noticed that when markets are doing well, people are willing to spend more. And when markets are ...
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Employee Satisfaction - Your Cornerstone of Productivity
(General/Articles)
... the SHRM survey points to an expected trend that 31% of surveyed workers will look for new jobs once the economy and the job market improves. In order to put a number on this, I would point to my own ...
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What's Ahead?...Spring and Echo Boomers
(General/Articles)
By most measures, 2009 was a year of healing and balancing for the local real estate market, posting the most sales since 2005. Transactions in November were 34% higher than the previous year, almost ...
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Is Buy-and-Hold Dead in 2010?
(General/Articles)
If you have been listening to the television or read any business publications in the last month, the message you have in your head is that a buy-and-hold investment strategy is dead. As the market started ...
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Heads I Win, Tails You Lose
(General/Articles)
... The game begins with how the markets perform in 2010; if heads (the market goes up), you have won by converting tax-deferred assets to tax-free assets at a lesser value than your newly tax-free assets ...
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Important Disclaimer
(General/main)
... These additional terms and conditions will be made available to you when, and if, you access the third party services. 4. Financial Market Information; No Warranty: Financial Information. Our Electronic ...
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Multiple Retirement Options
(General/Articles)
I have noticed more articles recently where financial advisors give the opinion that the only way for some people to retire after a market like we have seen is to take on more risk (i.e. go even heavier ...
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Why BGM Wealth
(General/About)
“It is not timing the market that makes you money; it is time in the market that makes you money.” At Boeckermann, Grafstrom & Mayer Wealth Management, LLC we are primarily wealth managers. ...
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Meet The Team
(General/About)
... Markets Program and graduated with a BS degree in Finance. James now is a member of the MN Financial Planning Association and the CFA Society of Minnesota. James stays busy planning a wedding with his ...
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Buy Low, Sell High
(General/Articles)
Nobel Laureate William Sharpe estimates that a market timer needs to be right 82% of the time in order to equal the returns of a buy-and-hold investor. Another view of this is from a study we follow every ...
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Market Summary
(General/Resources)
Market Summary Google Finance Yahoo! Finance Wall Street Journal Market Watch CNBC Bloomberg ...
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Fixed Income Investing
(General/Services)
We believe that every portfolio benefits from a fixed income allocation, no matter what the investor’s age. Fixed income has a moderating effect in a down market. For those who need it, it can provide ...
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Wealth Management
(General/Services)
... our job is to diversify risk. After all, concentrated wealth makes clients wealthy, but diversified wealth keeps them wealthy. Reducing overall portfolio risk is the reason we diversify by market capitalization ...
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Buyer Beware
(General/Articles)
... in the market or economy will be. In the past six months there has been a lot of negative news and I am concerned that some may blindly follow whatever is read or heard. In the November 10, 2008 Newsweek ...
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2009 Market Takeaways
(General/Articles)
... be the better answer since it gives freedom. Clients with low to no debt have been less concerned about cash flow and thus, can roll with the punches that the market brings. The flexibility of having ...